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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 St Augustine Lakes, St. Augustine — a waterfront home in St. Johns County.

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Active

$443,0004 bd · 2.5 ba · 2,262 sq ft

Active·53 days on market·St Augustine Lakes

89 Kingsley Park Way

St. Augustine, FL 32084

$443,000$196/sqftEst. $2,401/mo mortgageMLS# 2165741
↓ $7,000 below original list
4
Beds
2.5
Baths
2,262
Sq Ft
2025
Built
2
Garage
No
Pool

6 more homes for sale in St Augustine Lakes →Search St Augustine Lakes on the map

FEMA Zone XHOA $63/moWaterfrontSingle Family Residence1 story

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About this home

St Augustine Lakes

Welcome to 89 Kingsley Park Way, a beautifully positioned lakefront home offering space, privacy, and amazing lake views like no other house in the community! With 2,262 square feet, this 4-bedroom, 2-bathroom residence features a thoughtfully designed layout that blends open living with comfortable separation being located on a quiet cul-de-sac. Inside, the home feels fresh and untouched-never lived in-providing a true move-in ready experience. The main living areas flow seamlessly, with the kitchen overlooking the dining and living spaces, creating a bright and connected environment filled with natural light and scenic water views. Bedrooms are well-sized and arranged to offer flexibility for guests, work-from-home needs, or additional living space.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.18% · 30yr$2,401
Property taxesest. at asking price, St. Johns County$580
HOAbilled quarterly$63
Estimated total, before insurance$3,044/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$931/yr · $78/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

$443,000
$88,600
Loan Term
Monthly Payment
$2,401
Principal & Interest: $2,401
Property taxes (est.): $580
Insurance (est.): $295
Estimated Total Monthly
$3,276
*30-year loan at 7.18% APR (avg 30-yr rate 2026-11-05, 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 2025)

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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

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

Last sold: $400,000 in October 2025(county public record, not MLS data)

YearMarket valueTaxable valueChange
2026$357,218$357,218—

2025 property taxes (current owner): $931/yr

Estimated taxes if purchased at asking price: ~$7,000/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 1,526 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 (2026), NEFMLS.

History

Price & status history

  • Oct 23, 2026Price change$443,000−$7,000
  • Sep 21, 2026Listed$450,000

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 $190/sq ft; this home is listed at $196/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
351 Miromar Lake Drive, St. Augustine, FL 32084Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$396,000$1904/32,088390.1
239 Blue Cypress Trail, St. Augustine, FL 32084Listed by LPT REALTY LLCSep 2026$540,000$2025/3.52,6701190.2
264 Lake Sinclair Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS JACKSONVILLEAug 2026$399,900$1974/32,02730.2
447 Lake Sinclair Street, St. Augustine, FL 32084Listed by HERRON REAL ESTATE LLCJun 2026$375,000$1854/32,02740.2
597 Lake Sinclair Street, St. Augustine, FL 32084Listed by HOUWZER, INC.Aug 2026$379,900$1874/32,027610.3
131 Beauclair Boulevard, St. Augustine, FL 32084Listed by EXP REALTY LLCAug 2026$430,000$1904/3.52,2651050.3

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$443,000
Price / Sq Ft$196
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,262
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address89 Kingsley Park Way, St. Augustine, FL 32084
Area336-Ravenswood/West Augustine
SubdivisionSt Augustine Lakes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Dimensions53x130x53x130
Parcel Number0954163710

Amenities

AmenitiesPool, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewLake, Water
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchPorch, Screened
RoofShingle
ConstructionFiber Cement, Frame
Road SurfacePaved

Additional Information

Date ListedSeptember 21, 2026
Days on Market53
HOA Fees$188 / Quarterly
HOA FrequencyQuarterly
Tax Amount$930.95
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

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 St Augustine Lakes

St Augustine Lakes is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all St Augustine Lakes homes for sale →
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