404 Saint Kitts Loop Saint Augustine, FL 32092
4
Beds
3
Baths
2,647
Sq Ft
9,583
Sq Ft Lot
Highlights
- Fitness Center
- Home fronts a pond
- Pond View
- Mill Creek Academy Rated A
- Gated Community
- Open Floorplan
About This Home
As of April 2025Take Advantage of an FHA Assumable Loan with a Low 3% Interest Rate! Stunning 4BR, 3BA Home in Windward Ranch - A Must-See!
This is your chance to own a beautiful home with the added benefit of an FHA assumable loan at an incredibly low 3% interest rate. This 2016 Medallion floor plan perfectly combines elegance and functionality, featuring numerous upgrades. Nestled in the highly sought-after gated community of Windward Ranch, this home offers exceptional curb appeal and NO CDD fees.
With 4 bedrooms, 3 bathrooms, and a 3-car garage, this spacious home is designed for comfortable modern living. The upgraded interior includes crown molding throughout, 5.25'' baseboards, shiplap accents, and designer lighting fixtures. The chef's kitchen boasts 42'' cabinets, stainless steel appliances, and a gas range, making it ideal for culinary enthusiasts. Enhanced living spaces feature built-ins in the living room and a barn door leading to the dining room with custom bookshelves. Outdoor bliss awaits with a paved driveway, a covered and screened-in patio, and serene water views, perfect for relaxation or entertaining. Energy efficiency is a key feature, with natural gas for the range, dryer, water heater, and outdoor grill, enhancing cost-efficiency. Windward Ranch offers a luxurious lifestyle with amenities such as a resort-style pool, fitness center, mini golf, tennis and pickleball courts, a playground, and secure gated entry. Situated just minutes from top-rated St. Johns County schools, historic St. Augustine, World Golf Village, and premier shopping and dining, this move-in-ready home is a rare find. Don't miss this opportunity - schedule your private tour today and step into the Florida lifestyle with unbeatable financing!
Last Agent to Sell the Property
ONE SOTHEBY'S INTERNATIONAL REALTY License #3351355 Listed on: 12/01/2024
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $5,840
Year Built
- Built in 2016 | Remodeled
Lot Details
- 9,583 Sq Ft Lot
- Home fronts a pond
- Wrought Iron Fence
- Back Yard Fenced
HOA Fees
- $142 Monthly HOA Fees
Parking
- 3 Car Attached Garage
- Garage Door Opener
Home Design
- Contemporary Architecture
- Brick or Stone Veneer
- Shingle Roof
- Siding
Interior Spaces
- 2,647 Sq Ft Home
- 1-Story Property
- Open Floorplan
- Built-In Features
- Ceiling Fan
- Entrance Foyer
- Screened Porch
- Pond Views
Kitchen
- Breakfast Bar
- Gas Oven
- Gas Cooktop
- Microwave
- Ice Maker
- Dishwasher
Flooring
- Carpet
- Tile
Bedrooms and Bathrooms
- 4 Bedrooms
- Split Bedroom Floorplan
- Walk-In Closet
- 3 Full Bathrooms
- Bathtub With Separate Shower Stall
Laundry
- Laundry in unit
- Dryer
Outdoor Features
- Patio
Schools
- Mill Creek Academy Elementary And Middle School
- St. Augustine High School
Utilities
- Central Air
- Heat Pump System
- Natural Gas Connected
- Gas Water Heater
Listing and Financial Details
- Assessor Parcel Number 0274420690
Community Details
Overview
- Association fees include security
- Windward Ranch Subdivision
Amenities
- Community Barbecue Grill
- Clubhouse
Recreation
- Tennis Courts
- Community Basketball Court
- Community Playground
- Fitness Center
- Community Spa
- Park
Security
- Gated Community
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Dec 1, 2024
Closed on
Apr 8, 2025
Sold by
Duncan Scott and Duncan Jennifer
Bought by
Beckham Robert H and Beckham Lilia
Seller's Agent
Roberta Gjeloshaj
ONE SOTHEBY'S INTERNATIONAL REALTY
Buyer's Agent
Carole Bayer
COLDWELL BANKER VANGUARD REALTY
List Price
$595,000
Sold Price
$535,000
Premium/Discount to List
-$60,000
-10.08%
Total Days on Market
81
Views
89
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
30.84%
Original Mortgage
$255,000
Outstanding Balance
$255,000
Interest Rate
6.63%
Mortgage Type
VA
Estimated Equity
$300,518
Purchase Details
Closed on
Jun 29, 2020
Sold by
Cutlip Addoson and Beard Megan
Bought by
Duncan Scott and Duncan Jenifer
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$345,751
Interest Rate
3.1%
Mortgage Type
FHA
Purchase Details
Closed on
May 24, 2016
Sold by
Lennar Homes Llc
Bought by
Cutlip Cory Addison and Cutlip Megan Beard
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$293,075
Interest Rate
3.58%
Mortgage Type
New Conventional
Similar Homes in the area
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $535,000 | None Listed On Document | |
| Warranty Deed | $367,000 | None Available | |
| Special Warranty Deed | $308,500 | North American Title Co |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $255,000 | VA | |
| Previous Owner | $9,076 | FHA | |
| Previous Owner | $345,751 | FHA | |
| Previous Owner | $293,075 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 04/08/2025 04/08/25 | Sold | $535,000 | -4.3% | $202 / Sq Ft |
| 02/20/2025 02/20/25 | Pending | -- | -- | -- |
| 01/30/2025 01/30/25 | Price Changed | $559,000 | -1.9% | $211 / Sq Ft |
| 01/15/2025 01/15/25 | Price Changed | $570,000 | -1.7% | $215 / Sq Ft |
| 01/06/2025 01/06/25 | Price Changed | $580,000 | -2.5% | $219 / Sq Ft |
| 12/01/2024 12/01/24 | For Sale | $595,000 | -- | $225 / Sq Ft |
Source: realMLS (Northeast Florida Multiple Listing Service)
Tax History Compared to Growth
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 |
|---|---|---|---|---|
| 2025 | $5,355 | $453,863 | $100,000 | $353,863 |
| 2024 | $5,355 | $472,186 | $100,000 | $372,186 |
| 2023 | $5,355 | $421,606 | $90,720 | $330,886 |
| 2022 | $5,036 | $405,835 | $84,000 | $321,835 |
| 2021 | $4,441 | $320,035 | $0 | $0 |
| 2020 | $3,606 | $292,367 | $0 | $0 |
| 2019 | $3,674 | $285,794 | $0 | $0 |
| 2018 | $3,634 | $280,465 | $0 | $0 |
| 2017 | $3,674 | $278,350 | $60,000 | $218,350 |
| 2016 | $959 | $263,024 | $0 | $0 |
| 2015 | -- | $10,787 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Roberta Gjeloshaj
Seller's Agent in 2025
Roberta Gjeloshaj
ONE SOTHEBY'S INTERNATIONAL REALTY
(904) 571-7966
80 Total Sales
-
ALEKSANDER PERVAZA
Seller Co-Listing Agent in 2025
ALEKSANDER PERVAZA
ONE SOTHEBY'S INTERNATIONAL REALTY
(904) 571-7288
36 Total Sales
-
Carole Bayer
Buyer's Agent in 2025
Carole Bayer
COLDWELL BANKER VANGUARD REALTY
(904) 860-5000
55 Total Sales
-
JOHN BAYER
Buyer Co-Listing Agent in 2025
JOHN BAYER
COLDWELL BANKER VANGUARD REALTY
(850) 485-0229
23 Total Sales
Map
Source: realMLS (Northeast Florida Multiple Listing Service)
MLS Number: 2058835
APN: 027442-0690
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.
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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