$529,000
82 LONE CYPRESS Way, St. Augustine, FL 32092
Summer Bay At Grand Oaks
- Price
- $529,000
- Beds / Baths
- 3 / 3
- Living area
- 2,011 sqft
- Year built
- 2023
- Type
- Residential
- Lot
- 0.17 ac
- Garage
- 2
- HOA
- $158/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 57
- Elementary
- Mill Creek Academy
- Middle
- Mill Creek Academy
- High school
- Tocoi Creek
$263/sqft asking, vs a $205/sqft median across 2,774 closed sales in 32092 over the last 12 months — 28% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Lakeside Living in Exclusive Summer Bay at Grand Oaks - 55+ Resort-Style Community. This beautifully maintained 3 bedroom, 2.5bath residence offers serene lakefront views and a lifestyle of comfort and convenience. Step inside to discover luxury vinyl plank flooring throughout--both stylish and low-maintenance. The open-concept kitchen boasts a huge island, gas range, stainlesssteel appliances, and tons of storage for all your culinary needs. Enjoy seamless indoor-outdoor living with a triple sliding glass door that opens toa spacious lanai and paved patio, perfect for relaxing or birdwatching in this tranquil setting. You will also love the views from your large primary suite, offering a tray ceiling, garden tub, frameless shower and two spacious closets. This home has two other bedrooms, one with an attached bath, great for quests and one with a Murphy bed, perfect for an office space but convenient for when the grandkids come to town!
What to check on this one
- Verify exact flood zone designation and obtain elevation certificate for lender/insurance.
- Confirm CDD bond payoff amount and remaining assessment term.
- Review HOA docs: rental restrictions, 55+ enforcement, amenity access details.
- Inspect roof warranty/coverage—new construction defects period expires when?
- Confirm homeowners insurance availability and quotes (waterfront, age, zone factors).
- Verify lakefront easements, maintenance responsibilities, and HOA lake-use restrictions.
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 $423,200 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 23, 2026, 6:56 AM.
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