This home is in St. Augustine — a waterfront home in St. Johns County.
Active·4 days on market
2016 Golden Lake Loop
St. Augustine, FL 32084
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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
Enjoy easy living, lakefront views, and ground-floor convenience at 2016 Golden Lake Loop! This 3-bedroom, 2-bath condo offers single-level living with no interior stairs, plus a garage for parking and storage. Spend more time enjoying the Florida lifestyle with a community pool, gym, playground, and walking trails. The peaceful lakefront setting provides a relaxing everyday backdrop, while three bedrooms offer flexibility for guests, a home office, or everyday living. Whether you're looking for a primary residence or a St. Augustine retreat, this home combines comfort, convenience, and community amenities.
Next steps in St. Augustine
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: material not specified — year not disclosed (home built 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)
County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,777 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
Mussallem Beachfront Parkabout 5 mi · 48 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Areaabout 0.6 mi · 2.2 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 5 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
San Sebastian River at Highway 16 Roadside Primitive Accessabout 3 mi · San Sebastian River
Closest youth league fields
Collier-Blocker-Puryear Parkabout 3 mi · Basketball, Football, Lacrosse
Closest grocery store
Publixabout 1 mi · 955 State Road 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $208,000 | $207,902 | — |
| 2024 | $227,850 | $189,002 | — |
| 2023 | $227,850 | $171,820 | — |
| 2022 | $160,000 | $156,200 | — |
| 2021 | $142,000 | $142,000 | — |
| 2020 | $142,000 | $142,000 | — |
2025 property taxes (current owner): $2,813/yr
Estimated taxes if purchased at asking price: ~$3,800/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
- Oct 19, 2026Listed$235,000
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.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2103 Golden Lake Loop 2103, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLC | Apr 2026 | $215,000 | $164 | 3/2 | 1,308 | 71 | 0 |
| 117 Golden Lake Loop, St. Augustine, FL 32084Listed by PREMIER HOMES REALTY INC | Jul 2026 | $160,000 | $139 | 2/2 | 1,147 | 71 | 0.1 |
| 904 Golden Lake Loop, St. Augustine, FL 32084Listed by BARBARA B JENNESS PA | Jun 2026 | $235,000 | $160 | 3/2 | 1,473 | 101 | 0.1 |
| 924 Golden Lake Loop, St. Augustine, FL 32084Listed by THE HOA COLLECTIVE LLC | May 2026 | $208,000 | $155 | 3/2 | 1,346 | 39 | 0.1 |
| 2871 Golden Lake Loop, St. Augustine, FL 32084Listed by UP REAL ESTATE | May 2026 | $202,500 | $175 | 3/2 | 1,157 | 195 | 0.1 |
| 319 Golden Lake Loop, St. Augustine, FL 32084Listed by US REALTY HUB | Apr 2026 | $233,000 | $172 | 3/2 | 1,354 | 4 | 0.1 |
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
Additional Information
Listing Courtesy of: 904 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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines