$445,000
109 CUMMER Way, St. Augustine, FL 32095, St. Augustine, FL 32095
Sandy Creek
- Price
- $445,000
- Beds / Baths
- 3 / 2
- Living area
- 2,004 sqft
- Year built
- 2012
- Type
- Residential
- Lot
- 0.2 ac
- Garage
- 3
- HOA
- $72/mo
- CDD
- No
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 172
$222/sqft asking, vs a $206/sqft median across 1,018 closed sales in 32095 over the last 12 months — 8% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Welcome to this 3-bedroom, 2-bath, single-story home offering 2,004 square feet of living space in the Sandy Creek community of St. Johns County. Designed with an open floor plan, the spacious living area flows seamlessly into the kitchen, making it ideal for everyday living and entertaining. The kitchen features a center island, ample counter space, and finishes that complement the home's tile and wood flooring throughout. The split-bedroom layout provides privacy, with a comfortable primary suite and well-sized secondary bedrooms. Step outside to a screened patio with pond views, creating a peaceful setting for morning coffee or evening relaxation. The rod iron fenced backyard adds both charm and function. Notable updates include a 2023 roof for added peace of mind. Sandy Creek offers low HOA fees, community amenities, and convenient access to shopping, dining, top-rated schools, and major roadways throughout St. Johns County.
What to check on this one
- Confirm 2023 roof installation date and get contractor receipt for warranty transfer.
- Obtain HOA documents: current reserve study, any pending assessments, rental restrictions.
- Request flood zone map confirmation and elevation certificate if in AE/VE zone.
- Get homeowners insurance quote—verify insurer will cover based on roof age and location.
- Verify septic system maintenance records; confirm well (if applicable) last serviced.
- Review plumbing materials used in 2012 construction—rule out polybutylene or cast-iron issues.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $356,000 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of THE LEGENDS OF REAL ESTATE. Data via realMLS (Northeast Florida MLS), updated Jul 21, 2026, 5:06 PM.
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