This home is in Waterford Lakes, St. Augustine — a gated community home in St. Johns County.
Active·46 days on market·Waterford Lakes
41 Temple Drive
St. Augustine, FL 32092
15 more homes for sale in Waterford Lakes →Search Waterford Lakes on the map
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About this home
Waterford Lakes
INCREDIBLE VALUE IN SILVERLEAF! Looking for your first home? Downsizing? Smart investment? At this price, the cul-de-sac location and community lifestyle are hard to beat. Clean, well-maintained, and freshly painted throughout; this 2 Bedroom, 2.5 Bath townhome features an attached 1 Car Garage in gated Waterford Lakes! All kitchen appliances are included; featuring natural gas range and tankless water heater. Washer and dryer are also included. Tucked away on a private cul-de-sac lot with additional guest parking just steps away, enjoy low-maintenance living. Residents enjoy a private community pool, kids' water park, fitness center and walking/biking paths nearby! Residents will benefit from being zoned for top-rated St. Johns County schools, a LOW HOA, and NO CDD fees. Ideally located near shopping, dining, and major roadways for an easy commute to I-95 and SR 9B, Jacksonville, St. Augustine, and surrounding areas. Don't miss this one!
Next steps in Waterford Lakes
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2022)
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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (south)about 12 mi · 94 parking spaces
Closest park or preserve
Gourd Island Conservation Area12 min drive · 3.3 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 3 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 9 mi · St. Johns River
Closest youth league fields
Durbin Crossing Park12 min drive · Baseball, Football, Lacrosse, Softball, Track, Soccer
Closest grocery store
Publix6 min drive · 1975 Silverleaf Pkwy, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,544/yr
Estimated taxes if purchased at asking price: ~$4,100/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.
History
Price & status history
- Sep 28, 2026Price change$259,000−$6,000
- Sep 11, 2026Listed$265,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $223/sq ft; this home is listed at $214/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 81 Temple Drive, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $303,000 | $202 | 3/2.5 | 1,502 | 210 | 0.1 |
| 29 Ember Street, St. Augustine, FL 32092Listed by IHEART REALTY INC | May 2026 | $259,900 | $215 | 2/2.5 | 1,210 | 70 | 0.1 |
| 349 Coastline Way, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLC | Mar 2026 | $270,000 | $223 | 2/2.5 | 1,210 | 34 | 0.1 |
| 98 Coastline Way, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLC | Jun 2026 | $249,000 | $206 | 2/2.5 | 1,210 | 58 | 0.3 |
| 1361 Brook Forest Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Feb 2026 | $343,327 | $236 | 3/2 | 1,454 | 0 | 0.6 |
| 155 Wood Breeze Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $329,990 | $236 | 3/2.5 | 1,396 | 52 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX SPECIALISTS
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Waterford Lakes
Waterford Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Waterford Lakes homes for sale →Keep looking
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Krista Fracke
Broker Associate
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