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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Windward Ranch, St. Augustine — a gated community home in St. Johns County.

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Active

Active·Listed today·Windward Ranch

37 Nevis Peak Lane

St. Augustine, FL 32092

$650,000$245/sqftEst. $3,470/moMLS# 2165699
Open house Sat, Sep 26 · 11:00 am–1:00 pm
4
Beds
3
Baths
2,654
Sq Ft
2021
Built
3
Garage
Yes
Pool
FEMA Zone XHOA $143/mo9,583 sqft lotSingle Family Residence1 story

About this home

Windward Ranch

Enjoy one of St. Johns County's most sought-after gated and golf-cart friendly communities This saltwater pool home includes numerous upgrades including a custom mater closet with custom lighting, a custom built-in entertainment center, crown molding, a custom upscale laundry room and so much more. The chef's kitchen includes stainless steel appliances, double oven, a natural gas cooktop, and a generous center island that anchors the heart of the home. The split-bedroom layout provides privacy for the primary suite, which features a spacious bedroom and a beautifully appointed primary bath with a separate garden tub and walk-in shower. Additional bedrooms are generously sized, with large walk-in closets. Enjoy Florida's year-round outdoor lifestyle from your screened-in lanai surrounding the sparkling in-ground saltwater pool.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$3,470
Property taxesest. at asking price, St. Johns County$865
HOAbilled quarterly$143
Estimated total, before insurance$4,478/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,828/yr · $569/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$650,000
$130,000
Loan Term
Monthly Payment
$3,470
Principal & Interest: $3,470
Property taxes (est.): $865
Insurance (est.): $433
Estimated Total Monthly
$4,768
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 2021)

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

Solar potential: ~1,639 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,828/yr

Estimated taxes if purchased at asking price: ~$10,400/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 24, 2026Active$650,000
  • Sep 17, 2026Listed$650,000

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

Features

Price$650,000
Price / Sq Ft$245
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,654
Acres0.22 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Heated, Salt Water, Screen Enclosure
Is WaterfrontNo
Gated CommunityYes

School Information

Community Information

Address37 Nevis Peak Lane, St. Augustine, FL 32092
Area308-World Golf Village Area-SW
SubdivisionWindward Ranch
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size9,583.2 sq ft
Parcel Number0274421580

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Pickleball, Playground
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Freezer, Gas Cooktop, Gas Oven, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Trash Compactor, Washer, Washer/Dryer Stacked, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit, Lower Level
SecurityKey Card Entry, Security Gate, Smoke Detector(s)

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionMany Trees, Sprinklers In Front, Sprinklers In Rear, Wooded
Patio / PorchRear Porch, Screened
FencingWrought Iron
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 24, 2026
Days on Market0
HOA Fees$428 / Quarterly
HOA FrequencyQuarterly
Tax Amount$6,828.11
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SIGNATURE REALTY ASSOCIATES · AimeeHeckelman@gmail.com

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 Windward Ranch

Windward Ranch is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Windward Ranch homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Open Houses

9/26/2026

11:00 am - 1:00 pm