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 home near Tocoi Creek High School.

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Active

Active·5 days on market·Waterford Lakes

465 Coastline Way

St. Augustine, FL 32092

$319,900$222/sqftEst. $1,653/moMLS# 2163492

Beds

Baths

1,442

Sq Ft

2023

Built

Garage

Pool

About this home

Waterford Lakes

Welcome to your new home in the highly sought-after Waterford Lakes community! This like-new townhome features 2 bedrooms and 2.5 bathrooms, perfectly blending modern luxury with low-maintenance living. Every inch of this property has been meticulously upgraded to offer an easy lifestyle. This home is packed with high-end, functional upgrades that truly set it apart: the Rinnai Tankless Water Heater lets you enjoy endless hot water and maximum energy efficiency. The ultimate garage oasis features durable, professional epoxy flooring and custom built-in shelving units for massive storage capacity. The dream outdoor area lets you step outside to a private outdoor space designed for ultimate relaxation, morning coffees, or weekend barbecues. The home offers very reasonable monthly utility costs adding to the overall appeal. Located in fabulous Waterford Lakes, you are just minutes away from top-tier shopping, dining, entertainment, and excellent schools, with easy highway access.

Cost to own

Mortgage calculator

Home Price

$319,900

Down Payment: 20%

$63,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,653

Principal & Interest: $1,653

Property taxes (est.): $426

Insurance (est.): $213

Estimated Total Monthly

$2,292

*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$1,653

Property taxesest. at asking price, St. Johns County$426

HOAbilled quarterly$128

Estimated total, before insurance$2,206/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,466/yr · $289/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): $3,466/yr

Estimated taxes if purchased at asking price: ~$5,100/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 4, 2026Listed$319,900

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

Features

Price$319,900

Price / Sq Ft$222

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,442

Total Structure Area1,442 sq ft

Acres0.06 acres

Year Built2023

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address465 Coastline Way, St. Augustine, FL 32092

Area304- 210 South

SubdivisionWaterford Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size2,613.6 sq ft

Parcel Number0265731900

ZoningResidential

Amenities

AmenitiesPool, Other, Children's Pool, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Management - Off Site

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Guest

ViewPond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Natural Gas

CoolingCentral Air

FlooringTile

# of Stories2

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Fire Alarm, Security Gate, Security System Owned, Smoke Detector(s)