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This home is in WGV Heritage Landing, St. Augustine.

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Active·Listed today·WGV Heritage Landing

709 Flowers Street

St. Augustine, FL 32092

$439,900$162/sqftEst. $2,398/mo mortgageMLS# 2167020

Beds

Baths

2,712

Sq Ft

2006

Built

Garage

Pool

12 more homes for sale in WGV Heritage Landing →Search WGV Heritage Landing on the map

FEMA Zone XHOA $11/mo7,405 sqft lotSingle Family Residence1 story

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About this home

WGV Heritage Landing

Welcome to 709 Flowers Street, a spacious four-bedroom, three-bath home offering approximately 2,700 square feet of living space and a three-car garage in St. Augustine. Built in 2006, the home features a flexible layout with an extremely large 4th Bedroom for family, guests, a home office, or your favorite hobby. Located in Heritage Landing, residents enjoy community pools, waterslides, boat parking, walking paths, sports fields, and other recreational amenities, all with a very low HOA fee. Recent improvements include a newer roof, an HVAC system approximately seven years old, newer exterior paint, and newer appliances. The property also offers a generous yard and rear patio with space to relax or entertain. With its combination of size, storage, community amenities, and important updates, 709 Flowers Street is an excellent opportunity for buyers seeking a comfortable St. Augustine home with room to grow.

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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 · 7.24% · 30yr$2,398

Property taxesest. at asking price, St. Johns County$585

HOAbilled annually$11

Estimated total, before insurance$2,995/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,332/yr · $444/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

$439,900

Down Payment: 20%

$87,980

Interest Rate: 7.24%

Loan Term

Monthly Payment

$2,398

Principal & Interest: $2,398

Property taxes (est.): $585

Insurance (est.): $293

Estimated Total Monthly

$3,277

*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 2006)

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: ~1,758 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 October 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
South Ponte Vedra Recreation Area
48 min drive · 24 parking spaces
Closest park or preserve
Gourd Island Conservation Area
22 min drive · 3.3 mi of trails
Closest public boat ramp
Palmo Cove Public Boat Ramp
about 3 mi · St. Johns River - Palmo Cove
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launch
about 7 mi · Saint Johns River
Closest youth league fields
Pacetti Bay School Fields
13 min drive · Baseball
Closest grocery store
Publix
about 2 mi · 84 Tuscan Way, 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): $5,332/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 1,595 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

Oct 30, 2026Active$439,900
Sep 29, 2026Listed$439,900

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 $228/sq ft; this home is listed at $162/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
712 Flowers Street, St. Augustine, FL 32092Listed by FLORIDA CONCIERGE REAL ESTATE	Aug 2026	$395,000	$180	4/2	2,198	49	0
741 Flowers Street, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLC	Sep 2026	$530,000	$153	5/3	3,459	103	0.1
757 Flowers Street, St. Augustine, FL 32092Listed by WATSON REALTY CORP	Aug 2026	$524,900	$236	5/3	2,221	12	0.1
324 Silver Glen Avenue, St. Augustine, FL 32092Listed by FLUID REALTY, LLC.	Sep 2026	$362,500	$136	4/2.5	2,668	7	0.6
2781 Oakgrove Avenue, St. Johns, FL 32092Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY	Oct 2026	$630,000	$228	3/3	2,767	85	0.7
3317 E Heritage Cove Drive, St. Augustine, FL 32092Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST	Oct 2026	$1,125,000	$331	4/3.5	3,396	8	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

Price$439,900

Price / Sq Ft$162

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,712

Acres0.17 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

Zoned elementaryWards Creek Elementary

Zoned middlePacetti Bay Middle School

Zoned highTocoi Creek High School

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

Address709 Flowers Street, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv Heritage Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number2881083230

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Pickleball, Tennis Court(s)

Community FeaturesSidewalks, Curbs

UtilitiesCable Connected, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral, Electric

CoolingAttic Fan

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesGas

# of Stories1

LevelsOne

Exterior

FencingVinyl

RoofShingle

Road SurfaceAsphalt

Additional Information

Date ListedOctober 30, 2026

Days on Market0

HOA Fees$135 / Annually

HOA FrequencyAnnually

Tax Amount$5,331.78

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: ATLAS COASTAL REALTY CORP

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 World Golf Village, FL (St. Johns County), ZIP 32092.

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Krista Fracke

Broker Associate

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