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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$173,000

1812 GOLDEN LAKE Loop, St. Augustine, FL 32084, St. Augustine, FL 32084

The Loft At Sebastian Cove

Price
$173,000
Beds / Baths
2 / 2
Living area
1,004 sqft
Year built
2016
Type
Townhouse
Lot
Garage
1
HOA
$299/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
54

$172/sqft asking, vs a $206/sqft median across 103 closed sales in 32084 over the last 12 months — 16% below the area's closed prices. Condition and lot vary; that's what a showing is for.

Easy living in the heart of St. Johns County with two things most units in this price range can't offer: an attached one-car garage and no neighbors overhead. This is the top floor, so once you head upstairs, every bit of living happens on one quiet, private level. The open family room flows into a kitchen with granite counters, stainless appliances, subway tile backsplash, and breakfast bar seating, plus a dedicated dining space for actual sit-down dinners. Two bedrooms and two full baths sit on opposite ends of the living area, giving everyone their own corner. Laundry and storage down, living up, it just works. When you're not home, the community pool and lawn care are somebody else's job. And the location earns its keep: minutes to I-95 and US-1, close to shopping, the outlets, historic downtown St. Augustine, and the beaches. First home, downsize, or lock-and-leave getaway, this one makes the everyday simple. Come see how easy it can be.

What to check on this one

  • Verify flood zone designation and elevation certificate requirement with county.
  • Confirm HOA $299/mo covers: pool, landscaping, insurance, reserve funding.
  • Request HOA docs: budget, reserve study, special assessments pending.
  • Inspect roof age and obtain insurance quote (2016 build, insurable).
  • Verify no polybutylene plumbing; check HVAC age and condition.
  • Confirm attached garage deed restriction and unit-exclusive use limits.

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$898/mo
Property tax (1.1% eff., St. Johns Co.)$159/mo
Homeowners insurance (est.)$292/mo
HOA$299/mo
All-in monthly (est.)$1,648/mo

Loan $138,400 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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE. Data via realMLS (Northeast Florida MLS), updated Aug 8, 2026, 7:23 PM.

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.