Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$317,500

189 ISLANDER Drive, St. Augustine, FL 32080, St. Augustine, FL 32080

Islander

Price
$317,500
Beds / Baths
2 / 3
Living area
1,173 sqft
Year built
2012
Type
Townhouse
Lot
0.04 ac
Garage
1
HOA
$282/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
70

$271/sqft asking, vs a $260/sqft median across 12 closed sales in 32080 over the last 12 months — 4% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Enjoy easy, low-maintenance living in this beautifully situated 2-bedroom, 2.5-bath townhome with attached garage & picturesque lake views. The open-concept floor plan creates a bright welcoming atmosphere, with water views from the living room, dining area, & kitchen. Step out to the private patio while taking in the lake setting and natural surroundings. The 1st floor features durable tile flooring and an airy layout designed for comfortable living & entertaining. Upstairs, both bedrooms offer the convenience of private en-suite bathrooms, and a dedicated laundry area adds to the home's functionality. New A/C system & Dishwasher in 2026. Located within the gated Islander community, residents enjoy access to a community pool. Situated on Anastasia Island, this home offers convenient access to shopping, dining, and recreation, with the beach just minutes away. Experience biking or the historic charm, waterfront attractions, & vibrant lifestyle that make St. Augustine so special!

What to check on this one

  • Verify exact flood zone & elevation certificate requirement with St. Johns County appraiser.
  • Confirm HOA $282/mo covers what; request bylaws, reserves, rental restrictions.
  • Obtain roof inspection report; 2012 build approaching insurance underwriting threshold.
  • Request 4-point inspection & wind-mitigation cert for potential insurer requirements.
  • Verify A/C & dishwasher 2026 warranty terms in writing from seller.
  • Confirm waterfront means lake deed restrictions, seawall maintenance, or HOA responsibility.

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

Principal & interest$1,647/mo
Property tax (1.1% eff., St. Johns Co.)$291/mo
Homeowners insurance (est.)$292/mo
HOA$282/mo
All-in monthly (est.)$2,512/mo

Loan $254,000 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 COLDWELL BANKER VANGUARD REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 16, 2026, 6:43 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.