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 St. Augustine.

1 / 42

Active

Active·6 days on market

629 Knollwood Lane

St. Augustine, FL 32086

$399,000$225/sqftEst. $2,062/moMLS# 2163274

Beds

Baths

1,772

Sq Ft

2005

Built

Garage

Pool

About this home

St. Augustine

Welcome to SouthWood living at its finest! Located in the coveted gated community of SouthWood, this beautifully maintained concrete-block home offers the perfect blend of comfort, convenience, and low-maintenance Florida living. Ideally situated just 15 minutes from St. Augustine's beautiful beaches and historic downtown, this home puts you close to everything while still providing a peaceful retreat. Inside, you'll find a combination of tile and laminate flooring throughout, offering a stylish and easy-to-maintain living space. Step outside and enjoy your own private oasis overlooking a preserve, where natural foliage creates a serene and private backdrop. The Florida room provides the perfect place to relax and enjoy the Florida lifestyle. The preserve lot also features natural foliage in the front of the home, adding to its beautiful setting and curb appeal. Several important updates provide added peace of mind, including appliances that are less than five years old, a water

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,062

Principal & Interest: $2,062

Property taxes (est.): $531

Insurance (est.): $266

Estimated Total Monthly

$2,859

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,062

Property taxesest. at asking price, St. Johns County$531

HOAbilled monthly$205

Estimated total, before insurance$2,798/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: material not specified — year not disclosed (home built 2005)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,746 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History