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

This home is in Waterford Lakes, St. Augustine — a gated community home in St. Johns County.

No photos available

This listing has no photos yet

Active

Active·Listed today·Waterford Lakes

80 Java Lane

St. Augustine, FL 32092

$268,000$221/sqftEst. $1,467/moMLS# 2167994
2
Beds
2.5
Baths
1,210
Sq Ft
2023
Built
1
Garage
No
Pool

17 more homes for sale in Waterford Lakes →Search Waterford Lakes on the map

HOA $127/mo2,178 sqft lotTownhouse2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Waterford Lakes

Welcome Home to Elevated Townhome Living! Discover style, comfort, and functionality in this beautiful 2-bedroom, 2½-bath townhome in the desirable Silverleaf community. The spacious open-concept floor plan connects the living, dining, and kitchen areas, creating an inviting space for everyday living and entertaining. Both generously sized bedrooms feature private full bathrooms, offering comfort and convenience. A half bath on the main level is perfect for guests. Enjoy the ideal balance of shared living and personal space in this thoughtfully designed townhome. Schedule your private showing today!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$1,467
Property taxesest. at asking price, St. Johns County$357
HOAbilled quarterly$127
Estimated total, before insurance$1,951/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,979/yr · $248/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

$268,000
$53,600
Loan Term
Monthly Payment
$1,467
Principal & Interest: $1,467
Property taxes (est.): $357
Insurance (est.): $179
Estimated Total Monthly
$2,002
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2023)

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 home

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): $2,979/yr

Estimated taxes if purchased at asking price: ~$4,300/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 6, 2026Listed$268,000

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

Features

Price$268,000
Price / Sq Ft$221
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,210
Acres0.05 acres
Year Built2023
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

Community Information

Address80 Java Lane, St. Augustine, FL 32092
Area305-World Golf Village Area-Central
SubdivisionWaterford Lakes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size2,178 sq ft
Parcel Number0265732750
ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Security
Community FeaturesGated
UtilitiesCable Available, Electricity Available, Natural Gas Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyAppliances
ParkingAdditional Parking

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Guest Suite, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryIn Unit
SecuritySecurity Gate, Security System Leased

Exterior

Lot DescriptionWooded
Patio / PorchRear Porch
RoofShingle
ConstructionComposition Siding
Road SurfacePaved

Additional Information

Date ListedOctober 6, 2026
Days on Market2
HOA Fees$382 / Quarterly
HOA FrequencyQuarterly
HOA NameWaterford Lakes
HOA Fee IncludesInsurance, Pest Control
Tax Amount$2,979.02
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BEAR REALTY, INC.

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 →

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines