$645,000
SOLD MAR 30, 2026

104 Saint Kitts Loop St. Augustine, FL 32092

4 Beds
3.5 Baths
2,748 Sq Ft
9,148 Sq Ft Lot Lot

Sale Details

Date Sold: March 30, 2026

$235 Per Sq Ft

4% Below List Price

47 on Market

Highlights

  • Water Views
  • Golf Course Community
  • Heated In Ground Pool
  • Mill Creek Academy Rated A
  • Fitness Center
  • Home fronts a pond

About This Home

As of March 2026

NO CDD! Live the ultimate Florida lifestyle in this stunning gas-heated saltwater POOL HOME w serene water views, located in the GATED Windward Ranch community! This 4-bedroom, 3.5-bath home includes a private office and formal living & dining rooms. The true highlight is the unbeatable, fully fenced backyard oasis-an entertainer's dream! Relax on the screened paver lanai, unwind beneath the pergola or sip a cool drink and lounge by the pool while enjoying the stunning water vistas. Step through the upgraded glass front door & into a bright, elegant interior featuring tile flooring, tall ceilings, classy crown molding, shiplap walls & abundance of windows that flood the home w natural light. Gourmet kitchen features large granite island, double ovens, & timeless Brazilian cherry cabinetry. The Inviting living room offers tranquil backyard views & an upgraded ceiling fan. Relaxing primary bedroom w tray ceiling & large walk-in closet. The spa-like en suite is sure to impress with its oversized walk-in shower & separate garden tub! Additional highlights include spacious secondary bedrooms (4th bedroom w en suite bath) convenient laundry room w cabinet & sink, plus a formal dining/flex room & private office w lovely French doors. Windward Ranch residents enjoy incredible amenities: resort-style pool, sports courts, fitness center, mini golf course & MORE! Conveniently located just minutes from historic Downtown St. Augustine & close to shopping and dining options! Hurry-this GEM won't last!

Last Agent to Sell the Property

CHRISTOPHER GALLO

REAL BROKER LLC License #3350451 Listed on: 01/12/2026

REAL BROKER LLC

Last Buyer's Agent

BRADFORD WHITE

NATALE REALTORS License #3582557

Home Details

Home Type

  • Single Family

Year Built

  • Built in 2016

Lot Details

  • 9,148 Sq Ft Lot
  • Lot Dimensions are 63x142
  • Home fronts a pond
  • Property fronts a private road
  • Back Yard Fenced

HOA Fees

  • $143 Monthly HOA Fees

Parking

  • 3 Car Attached Garage

Home Design

  • Traditional Architecture
  • Brick Exterior Construction
  • Frame Construction
  • Shingle Roof

Interior Spaces

  • 2,748 Sq Ft Home
  • 1-Story Property
  • Open Floorplan
  • Built-In Features
  • Crown Molding
  • Ceiling Fan
  • Entrance Foyer
  • Water Views
  • Fire and Smoke Detector

Kitchen

  • Breakfast Area or Nook
  • Breakfast Bar
  • Double Oven
  • Gas Cooktop
  • Microwave
  • Dishwasher
  • Kitchen Island
  • Disposal

Flooring

  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Split Bedroom Floorplan
  • Walk-In Closet
  • In-Law or Guest Suite
  • Separate Shower in Primary Bathroom
  • Soaking Tub

Laundry

  • Laundry Room
  • Sink Near Laundry
  • Washer and Gas Dryer Hookup

Pool

  • Heated In Ground Pool
  • Saltwater Pool

Outdoor Features

  • Covered Patio or Porch

Schools

  • Mill Creek Academy Elementary And Middle School
  • St. Augustine High School

Utilities

  • Central Heating and Cooling System
  • Tankless Water Heater
  • Gas Water Heater

Listing and Financial Details

  • Assessor Parcel Number 0274420510

Community Details

Overview

  • $500 One-Time Secondary Association Fee
  • Windward Ranch Subdivision

Recreation

  • Golf Course Community
  • Tennis Courts
  • Community Basketball Court
  • Community Playground
  • Fitness Center
  • Community Pool
  • Jogging Path

Additional Features

  • Clubhouse
  • Gated Community

Home Details

Home Type

Single Family

Year Built

Built in 2016

Lot Details

9,148 Sq Ft Lot

HOA Fees

$143 per month

Parking

3

Listing Details

  • Property Type: Residential
  • Property Attached Yn: No
  • New Construction: No
  • Stories: 1
  • Year Built: 2016
  • Property Sub Type: Single Family Residence
  • Lot Size Acres: 0.21
  • Lot Size: 63x142
  • Road Frontage Type: Private Road
  • Road Surface Type: Asphalt
  • Subdivision Name: Windward Ranch
  • Architectural Style: Traditional
  • Carport Y N: No
  • Garage Yn: Yes
  • General Property Information Accessibility Features YN2: No
  • General Property Information Accessory Dwelling Unit YN: No
  • General Property Information:Pool Private YN: Yes
  • General Property Information Homestead YN: No
  • Special Features: None

Interior Features

  • Interior Amenities: Breakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Walk-In Closet(s), Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Breakfast Nook, Guest Suite
  • Major Appliances: Disposal, Double Oven, Dishwasher, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater
  • Full Bathrooms: 3
  • Half Bathrooms: 1
  • Total Bedrooms: 4
  • Flooring: Carpet, Tile
  • Living Area: 2748.0

Exterior Features

  • Waterfront: Yes
  • Roof: Shingle
  • Pool Features: Gas Heat, Heated, In Ground, Salt Water
  • Pool Private: Yes
  • View: Water
  • Waterfront Features: Pond
  • Construction Type: Brick Veneer, Frame, Fiber Cement
  • Patio And Porch Features: Covered, Front Porch, Patio, Porch, Rear Porch, Screened

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 3.0

Utilities

  • Utilities: Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
  • Laundry Features: Electric Dryer Hookup, Gas Dryer Hookup, Sink, Washer Hookup
  • Security: Smoke Detector(s)
  • Cooling: Central Air
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Association Fee: 428.0
  • Association Fee Frequency: Quarterly
  • Community Features: Gated, Sidewalks
  • Senior Community: No
  • Amenities: Basketball Court, Clubhouse, Fitness Center, Golf Course, Gated, Jogging Path, Playground, Tennis Court(s), Pool
  • Association #2 Fee: 500.0
  • Association #2 Fee Frequency: One Time
  • Association: Yes

Schools

  • Elementary School: Mill Creek Academy
  • High School: St. Augustine
  • Middle Or Junior School: Mill Creek Academy

Lot Info

  • Current Use: Single Family
  • Lot Size Sq Ft: 9147.6
  • Parcel #: 0274420510

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jan 12, 2026
Closed on
Mar 30, 2026
Sold by
Hodgins Michael and Hodgins Tamara L
Bought by
Ricker Sandra and Ricker Daniel
Seller's Agent
CHRISTOPHER GALLO
REAL BROKER LLC
Buyer's Agent
BRADFORD WHITE
NATALE REALTORS
List Price
$668,900
Sold Price
$645,000
Premium/Discount to List
-$23,900
-3.57%
Views
105

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
3.24%
Original Mortgage
$514,000
Outstanding Balance
$514,000
Interest Rate
6.01%
Mortgage Type
New Conventional
Estimated Equity
$133,268

Purchase Details

Listed on
Feb 2, 2024
Closed on
Mar 5, 2024
Sold by
Waits Ryan M and Waits Courtney N
Bought by
Hodgins Michael R and Hodgins Tamara L
Seller's Agent
CHRISTOPHER GALLO
REAL BROKER LLC
Buyer's Agent
Joshua Page
CHAD AND SANDY REAL ESTATE GROUP
List Price
$638,900
Sold Price
$638,900
Views
62

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
0.46%

Purchase Details

Closed on
Oct 11, 2016
Sold by
Lennar Homes Llc
Bought by
Waits Ryan M and Waits Courtney N

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$317,050
Interest Rate
3.3%
Mortgage Type
FHA
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $645,000 Americas Choice Title
Warranty Deed $638,900 Americas Choice Title
Warranty Deed $638,900 Americas Choice Title
Special Warranty Deed $322,900 North American Title Co
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $514,000 New Conventional
Previous Owner $317,050 FHA
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
03/30/2026 03/30/26 Sold $645,000 -2.1% $235 / Sq Ft
02/28/2026 02/28/26 Pending -- -- --
02/04/2026 02/04/26 Price Changed $658,900 -1.5% $240 / Sq Ft
01/12/2026 01/12/26 For Sale $668,900 +4.7% $243 / Sq Ft
03/05/2024 03/05/24 Sold $638,900 0.0% $232 / Sq Ft View Prior Sale
02/05/2024 02/05/24 Pending -- -- --
02/04/2024 02/04/24 For Sale $638,900 0.0% $232 / Sq Ft
02/04/2024 02/04/24 Off Market $638,900 -- --
02/02/2024 02/02/24 For Sale $638,900 -- $232 / Sq Ft
Source: realMLS (Northeast Florida Multiple Listing Service)

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2026 $7,257 $537,808 $100,000 $437,808
2025 $4,494 $514,018 $100,000 $414,018
2024 $4,494 $384,560 -- --
2023 $4,494 $373,359 $0 $0
2022 $3,824 $319,669 $0 $0
2021 $3,801 $310,358 $0 $0
2020 $3,788 $306,073 $0 $0
2019 $3,861 $299,192 $0 $0
2018 $3,820 $293,613 $0 $0
2017 $4,383 $291,720 $60,000 $231,720
2016 $737 $50,000 $0 $0
2015 -- $10,787 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • CHRISTOPHER GALLO

    Seller's Agent in 2026

    CHRISTOPHER GALLO

    REAL BROKER LLC

    (908) 798-0243

    58 Total Sales

    CHRISTOPHER GALLO
    Section Image

  • B

    Buyer's Agent in 2026

    BRADFORD WHITE

    NATALE REALTORS

    (904) 770-5350

    15 Total Sales

    BRADFORD WHITE
    Section Image
  • Joshua Page

    Buyer's Agent in 2024

    Joshua Page

    CHAD AND SANDY REAL ESTATE GROUP

    (218) 760-1288

    70 Total Sales

    Joshua Page
    Section Image
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Map

Source: realMLS (Northeast Florida Multiple Listing Service)

MLS Number: 2124761

realMLS (Northeast Florida Multiple Listing Service)

APN: 027442-0510

Florida St. Johns County Saint Augustine 32092

104 Saint Kitts Loop, Saint Augustine, FL

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

realMLS (Northeast Florida Multiple Listing Service) IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by NEFMLS.

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