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This home is in WGV Heritage Landing, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·Listed today·WGV Heritage Landing

1341 River City Street

St. Augustine, FL 32092

$450,900$148/sqftEst. $2,407/moMLS# 2165999

Beds

Baths

3,045

Sq Ft

2004

Built

Garage

Pool

FEMA Zone XHOA $11/mo7,841 sqft lotSingle Family Residence2 stories

About this home

WGV Heritage Landing

Welcome home to Heritage Landing in World Golf Village! Nestled on a quiet cul-de-sac, this beautifully maintained 5-bedroom, 3-bath home offers over 3,000 square feet of flexible living space in one of St. Johns County's most sought-after communities. Fresh interior paint and brand-new carpet upstairs make this home truly move-in ready, while the roof was replaced just two years ago for added peace of mind. Step inside to find warm wood flooring throughout the main living areas, abundant natural light, and a floor plan designed for both everyday living and entertaining. The spacious kitchen is the heart of the home, featuring granite countertops, stainless steel appliances, a large center island, walk-in pantry, and plenty of cabinet space. The kitchen flows seamlessly into the family room, where custom details and views of the fenced backyard create a welcoming gathering space. A first-floor bedroom and full bath provide excellent flexibility for guests, multigenerational living

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$2,407

Property taxesest. at asking price, St. Johns County$600

HOAbilled annually$11

Estimated total, before insurance$3,018/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,820/yr · $485/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

Home Price

$450,900

Down Payment: 20%

$90,180

Interest Rate: 7.03%

Loan Term

Monthly Payment

$2,407

Principal & Interest: $2,407

Property taxes (est.): $600

Insurance (est.): $301

Estimated Total Monthly

$3,308

*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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2004)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,770 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

Year	Market value	Taxable value	Change
2025	$403,878	$218,651	—
2024	$421,426	$211,781	—
2023	$425,120	$204,156	—
2022	$396,944	$196,753	—
2021	$269,005	$189,566	—
2020	$254,996	$186,258	—

2025 property taxes (current owner): $5,820/yr

Estimated taxes if purchased at asking price: ~$7,200/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 (2025), NEFMLS.

History

Price & status history

Sep 24, 2026Active$450,900
Sep 22, 2026Listed$450,900

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

Features

Price$450,900

Price / Sq Ft$148

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,045

Acres0.18 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address1341 River City Street, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv Heritage Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,840.8 sq ft

Parcel Number2881030950

Amenities

AmenitiesPool, Other, Barbecue, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)

Community FeaturesSidewalks, Street Lights

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, On Street

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac, Sprinklers In Front, Sprinklers In Rear

Patio / PorchPatio

FencingFenced, Back Yard, Wood

RoofShingle

ConstructionFrame, Stucco, Wood Siding

Road SurfaceAsphalt

Additional Information

Date ListedSeptember 24, 2026

Days on Market0

HOA Fees$135 / Annually

HOA FrequencyAnnually

HOA Fee IncludesMaintenance Grounds

Tax Amount$5,819.93

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS · allen@floridalocalteam.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 WGV Heritage Landing

WGV Heritage Landing is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

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Your Local Realtor

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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