$399,999
145 SAILORS LANDING Court, St. Augustine, FL 32084, St. Augustine, FL 32084
Morgans Cove
- Price
- $399,999
- Beds / Baths
- 3 / 3
- Living area
- 1,796 sqft
- Year built
- 2022
- Type
- Residential
- Lot
- 0.15 ac
- Garage
- 2
- HOA
- $29/mo
- CDD
- No
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 122
$223/sqft asking, vs a $211/sqft median across 1,092 closed sales in 32084 over the last 12 months — 6% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Assumable 5.00% FHA Loan! Why pay today's higher interest rates? Qualified buyers may have the opportunity to assume the seller's existing 5.00% FHA mortgage, potentially saving $200-$350 per month compared to obtaining a new loan at current market rates. That's thousands of dollars in potential savings over the coming years, while enjoying a lower monthly payment. **Assumption is subject to lender approval and buyer qualification. MOTIVATED SELLERS!! Welcome to this beautifully maintained 2022-LGI Builder Home with thousands in upgrades in St. Augustine, offering modern design and move-in ready convenience. This 3-4 bedroom,(4th bedroom non comforming) 2.5-bath home features an open-concept layout filled with natural light, perfect for both everyday living & entertaining. The kitchen showcases quartz countertops, stainless steel appliances, & plenty of counter & cabinet space, enjoy the open floorplan into the main living area. The spacious primary suite offers a private retreat, while additional bedrooms provide flexibility for guests plus a flex room for a 4th bedroom or an office. Enjoy outdoor living on the covered patio overlooking the backyard. Make memories with family & friends on this stunning paver patio & fully fenced back yard. Conveniently located just minutes from historic downtown St.Augustine, beaches, shopping, and dining. The 5% assumumable could save you THOUSANDS in closing cost & interest
What to check on this one
- Verify exact flood zone designation—check FEMA map and get elevation certificate if AE/VE.
- Confirm FHA loan assumability: get lender name, payoff amount, remaining term from seller.
- Pull homeowner insurance quotes now—2022 build should be insurable, confirm no claims history.
- Review HOA docs for any restrictions on the non-conforming 4th bedroom use.
- Verify builder warranty coverage remains and transfer terms to new owner.
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 $319,999 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 WATSON REALTY CORP. Data via realMLS (Northeast Florida MLS), updated Aug 2, 2026, 6:40 AM.
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