This home is in Windward Ranch, St. Augustine — a gated community home in St. Johns County.
Active·1 day on market·Windward Ranch
136 Montserrat Drive
St. Augustine, FL 32092
5 more homes for sale in Windward Ranch →Search Windward Ranch on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Windward Ranch
This stunning, 3-bedroom, plus an office, 2-bathroom, home in the gated, Windward Ranch subdivision, boasts quartz countertops, 42'' cabinets, stainless steel appliances, as well as a gas stove and custom french doors in the office. Enjoy ceramic wood tile throughout the common areas and carpet in the bedrooms. The outdoor living space beckons you with a screened paver lanai that backs up to a private wooded oasis. This gem is located in the highly sought-after St. Johns county with no CDD fees. Enjoy access to a variety of amenities, including a zero entry, resort style pool, featuring cabanas and a cafe for snacks/drinks. A top notch fitness center, including pickle ball courts, basketball court, mini golf, and golf cart parking/ paths are all included in the Windward Ranch lifestyle.
Next steps in Windward Ranch
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,726 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 homeAs 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 Area33 min drive · 24 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Area10 min drive · 2.2 mi of trails
Closest public boat ramp
Palmo Cove Public Boat Rampabout 8 mi · St. Johns River - Palmo Cove
Closest kayak & paddleboard launch
San Sebastian River at Highway 16 Roadside Primitive Accessabout 7 mi · San Sebastian River
Closest youth league fields
Mill Creek Park9 min drive · Baseball
Closest grocery store
Publix5 min drive · 2875 State Rd 16, 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): $5,122/yr
Estimated taxes if purchased at asking price: ~$6,300/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 22, 2026Active$395,000
- Oct 16, 2026Listed$395,000
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 $227/sq ft; this home is listed at $227/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 35 Montserrat Drive, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATES | Jul 2026 | $365,000 | $236 | 3/2 | 1,548 | 7 | 0.1 |
| 165 Crown Colony Road, St. Augustine, FL 32092Listed by DAVIDSON REALTY, INC. | Mar 2026 | $360,000 | $210 | 3/2 | 1,716 | 277 | 0.2 |
| 20 Tintamarre Drive, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY | Oct 2026 | $465,000 | $219 | 3/2 | 2,126 | 48 | 0.4 |
| 124 Tintamarre Drive, St. Augustine, FL 32092Listed by SIGNATURE REALTY ASSOCIATES | Sep 2026 | $500,000 | $235 | 3/2 | 2,126 | 23 | 0.4 |
| 48 Martello Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $460,000 | $216 | 3/2 | 2,126 | 54 | 0.4 |
| 204 Tintamarre Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Aug 2026 | $389,000 | $227 | 3/2 | 1,716 | 5 | 0.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SIGNATURE REALTY ASSOCIATES
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 Windward Ranch
Windward Ranch is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.
View all Windward Ranch homes for sale →Keep looking
More homes in Windward Ranch
For Sale150 Tintamarre DriveSt. Augustine, FL 32092
3 bd · 2 ba · 1,716 sq ft
$385,000Est. $2,049/moWelcome to 150 Tintamarre Dr, a beautifully maintained home in the highly desirable Windward Ranch community in St.…
Listing Office: signature realty associates
For Sale21 Antilles RoadSt. Augustine, FL 32092
4 bd · 2.5 ba · 2,430 sq ft
$429,900Est. $2,288/moThis 4-bedroom, 2.5-bathroom two-story home is situated on a desirable corner lot just close to the waterfront,…
Listing Office: entera realty llc
For Sale10 Montserrat DriveSt. Augustine, FL 32092
4 bd · 3 ba · 2,027 sq ft
$480,000Est. $2,555/moEnjoy the ease of single-story living in the gated community of Windward Ranch. Built in 2021, 10 Montserrat Drive…
Listing Office: florida homes realty & mtg llc
Pending37 Nevis Peak LaneSt. Augustine, FL 32092
4 bd · 3 ba · 2,654 sq ft
$650,000Est. $3,460/moMultple offers received. Sellers are calling for highest and best before 5pm on Sat 9/26. Enjoy one of St. Johns…
Listing Office: signature realty associates
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Your Local Realtor
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.
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