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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 — a gated community home in St. Johns County.

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Active

Active·1 day on market

174 Delwood Way

St. Augustine, FL 32092

$399,000Est. $2,210/moMLS# 2169589
Open house Sat, Oct 17 · 12:00 pm–5:00 pm
3
Beds
2.5
Baths
0
Sq Ft
2027
Built
2
Garage
No
Pool
FEMA Zone XHOA $100/mo3,049 sqft lotTownhouse2 storiesNew construction

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

About this home

St. Augustine

The Castillo offers a lavish floor plan with modern design. An impressive two-story porch opens onto a welcoming foyer, presenting alluring views of the expansive great room, casual dining area, and covered lanai. The expertly crafted kitchen is equipped with a large center island with breakfast bar, pantry, and plenty of counter and cabinet space. On the second floor, the serene primary bedroom suite features a sizable walk-in closet and a spa-like primary bath that offers a dual-sink vanity, a luxe glass-enclosed shower, and a private water closet. Secondary bedrooms feature ample closets and share a large hall bath. Additional highlights include a functional everyday entry, conveniently located laundry on the bedroom level, a powder room off the foyer, and ample additional storage. Enjoy resort style amenities, no CDDs, and a truly low-maintenance lifestyle. Schedule your private tour today!

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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 · 7.4% · 30yr$2,210
Property taxesest. at asking price, St. Johns County$531
HOAbilled annually$100
Estimated total, before insurance$2,841/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,010/yr · $84/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

$399,000
$79,800
Loan Term
Monthly Payment
$2,210
Principal & Interest: $2,210
Property taxes (est.): $531
Insurance (est.): $266
Estimated Total Monthly
$3,007
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2027)

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

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 and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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): $1,010/yr

Estimated taxes if purchased at asking price: ~$6,400/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

  • Oct 16, 2026Listed$399,000

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.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
132 Delwood Way, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLCOct 2026$399,000$1993/2.52,0021180
138 Delwood Way, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLCAug 2026$399,000$1983/2.52,013770
330 Delwood Way 221, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLCSep 2026$424,000$2253/2.51,8821210.1
71 Delwood Way, St. Augustine, FL 32092Listed by RE/MAX UNLIMITEDAug 2026$400,000$2083/2.51,9261010.1
155 Wood Breeze Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$329,990$2363/2.51,396520.4
159 Wood Breeze Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCAug 2026$340,994$2143/2.51,59200.4

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$399,000
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Total Structure Area1,926 sq ft
Acres0.07 acres
Year Built2027
TypeResidential
Sub-TypeTownhouse
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
New ConstructionYes

School Information

Zoned elementaryMagnolia Oaks Academy
Zoned middleMagnolia Oaks Academy
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

Address174 Delwood Way, St. Augustine, FL 32092
Area304- 210 South
SubdivisionSilverleaf
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size3,049.2 sq ft
Parcel Number0107412530

Amenities

AmenitiesPool, Clubhouse, Dog Park, Gated, Pickleball, Playground, Tennis Court(s)
Community FeaturesGated
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesKitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
# of Stories2
LevelsTwo
LaundryGas Dryer Hookup, Washer Hookup

Exterior

Patio / PorchRear Porch
RoofShingle
ConstructionFiber Cement, Frame

Additional Information

Date ListedOctober 16, 2026
Days on Market1
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
Tax Amount$1,010.15
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: JACKSONVILLE TBI REALTY, LLC

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.

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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10/17/2026

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10/18/2026

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