Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Waterford Lakes, St. Augustine — a gated community home in St. Johns County.

1 / 61

Active

Active·Listed today·Waterford Lakes

164 Java Lane

St. Augustine, FL 32092

$315,000$175/sqftEst. $1,618/moMLS# 2161441

Beds

Baths

1,795

Sq Ft

2023

Built

Garage

Pool

About this home

Waterford Lakes

SHORT SALE* One of the LARGEST floor plans in Waterford Lakes at Silverleaf. Expansive open layout, mudroom, and stunning Silverleaf preserve views! 3BR/2.5BA split plan with resort amenities nearby. Short sale opportunity. **APPROVED SHORT SALE LIST PRICE** APPRAISED HIGHER THAN LIST, INSTANT EQUITY!! The Waterford Lakes & Silverleaf Lifestyle Resort-style community amenities include a gated entry, fitness center, sparkling pool, and splash pad. Situated right in the growth corridor near the massive new Publix, new Baptist Health/Wolfson Children's Hospital, and future retail development!

Cost to own

Mortgage calculator

Home Price

$315,000

Down Payment: 20%

$63,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,618

Principal & Interest: $1,618

Property taxes (est.): $419

Insurance (est.): $210

Estimated Total Monthly

$2,247

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.65% · 30yr$1,618

Property taxesest. at asking price, St. Johns County$419

HOAbilled quarterly$127

Estimated total, before insurance$2,164/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,224/yr · $352/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$327,729	$276,839	—
2024	$318,329	$268,329	—
2023	$64,000	$64,000	—
2022	$16,800	$16,800	—

2025 property taxes (current owner): $4,224/yr

Estimated taxes if purchased at asking price: ~$5,000/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

History