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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$327,000

172 JAVA Lane, St. Augustine, FL 32092, St. Augustine, FL 32092

Waterford Lakes

Price
$327,000
Beds / Baths
3 / 3
Living area
1,722 sqft
Year built
2023
Type
Townhouse
Lot
0.04 ac
Garage
1
HOA
$25/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
5
Elementary
Liberty Pines Academy
Middle
Liberty Pines Academy
High school
Tocoi Creek

$190/sqft asking, vs a $196/sqft median across 364 closed sales in 32092 over the last 12 months — 3% below the area's closed prices. Condition and lot vary; that's what a showing is for.

Looking for newer construction in SilverLeaf without the CDD? This 2023 Waterford Lakes townhome delivers! This 3-bedroom, 2.5-bath Harper plan is located within gated Waterford Lakes and features an open-concept main level, granite countertops, large kitchen island, walk-in pantry, 1-car garage and screened lanai. An added accent wall brings character to the living space, while the lanai offers a more open setting with no townhome directly behind and additional parking conveniently nearby. Upstairs, all three bedrooms are located alongside the laundry room, with ceiling fans added to each bedroom. Enjoy a low HOA and NO CDD, plus a community pool, splash pad, fitness center and nature trails--all convenient to shopping, dining, historic St. Augustine and the beaches.

What to check on this one

  • Verify flood zone designation and pull elevation certificate if in AE/VE.
  • Confirm HOA $25/mo covers what amenities; request current reserve study.
  • Review HOA docs for short-term rental restrictions before purchase.
  • Inspect roof warranty status and get builder's remaining coverage details.
  • Verify 2023 builder warranty transferability to next 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

Principal & interest$1,697/mo
Property tax (1.1% eff., St. Johns Co.)$300/mo
Homeowners insurance (est.)$292/mo
HOA$25/mo
All-in monthly (est.)$2,314/mo

Loan $261,600 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 HOUSE & HAVEN. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 6:45 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.