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 Summer Bay At Grand Oaks, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·6 days on market·Summer Bay At Grand Oaks

135 Fairlake Circle

St. Augustine, FL 32092

$369,900$247/sqftEst. $1,911/moMLS# 2163339

Beds

Baths

1,498

Sq Ft

2023

Built

Garage

Pool

About this home

Summer Bay At Grand Oaks

Welcome to this beautifully maintained 2-bedroom, 2-bath home located in a desirable gated 55+ community. Enjoy added privacy with a fully fenced backyard that backs to a peaceful wooded preserve, creating a relaxing setting with no immediate rear neighbors. Thoughtful upgrades throughout include custom plantation shutters made of Linden Wood, vinyl plank and tile flooring throughout the main living areas, with carpet only in the bedrooms. The garage has been extended approximately four feet, providing valuable additional space for parking, storage or hobbies. Outdoor living has also been enhanced with an extended lanai and backyard pavers extended approximately four feet, offering additional space for entertaining, grilling or simply enjoying the private preserve views. Residents enjoy and impressive selection of community amenities, including a swimming pool, fitness center, clubhouse, pickleball and tennis courts, and a community garden.

Cost to own

Mortgage calculator

Home Price

$369,900

Down Payment: 20%

$73,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,911

Principal & Interest: $1,911

Property taxes (est.): $492

Insurance (est.): $247

Estimated Total Monthly

$2,650

*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$1,911

Property taxesest. at asking price, St. Johns County$492

HOAbilled monthly$158

Estimated total, before insurance$2,562/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,836/yr · $486/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

2025 property taxes (current owner): $5,836/yr

Estimated taxes if purchased at asking price: ~$5,900/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, NEFMLS.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2023)

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

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

Price & status history

Sep 3, 2026Listed$369,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$369,900

Price / Sq Ft$247

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,498

Total Structure Area2,222 sq ft

Acres0.14 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address135 Fairlake Circle, St. Augustine, FL 32092

Area308-World Golf Village Area-SW

SubdivisionSummer Bay At Grand Oaks

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Parcel Number0274530160

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Gated, Pickleball, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGuest

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesOther, Dishwasher, Disposal, Electric Range, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate, Smoke Detector(s)