128 WINDWALKER DRIVE, ST AUGUSTINE, FL, 32092
Active45 days on marketListed Jun 4, 2026MLS #O6413962
About this home
128 WINDWALKER DRIVE
Beautifully upgraded home with nearly $100,000 in enhancements, set on a generously sized lot with serene lake views in sought-after St. Johns County. This open-concept floor plan features soaring ceilings, modern finishes, luxury laminate hardwood floors, and seamless flow throughout the main living areas. The gourmet kitchen offers premium cabinetry, stainless steel appliances, and a large island overlooking the living and dining spaces. Downstairs includes a dedicated office/flex space, half bath, and laundry room. The spacious primary suite offers a spa-inspired bath and walk-in closet, while additional bedrooms each feature access to full baths for added privacy. Upstairs loft/flex space provides extra living options. The oversized tandem garage functions as a 3-car garage, offering exceptional storage and versatility. Relax on the upgraded backyard patio overlooking the lake!
Facts & features
The home at a glance
5
Bedrooms
5.5
Bathrooms
3,783
Sqft
0.3 ac
Lot size
3
Garage
2020
Year built
Two
Levels
$218
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,654 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,654/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St Augustine actives
$218 vs $244
Days on market
45 vs 39 typical
Where $218/sqft sits among the 183 St Augustine actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Augustine
Get to know St Augustine. See the full St Augustine guide →
ST AUGUSTINE 32092 — neighborhood snapshot
Population
48,288
Median age
41.4
Median income
$122,655
Median home value
$464,800
Avg household
2.87
Households w/ children
6,787
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Augustine market
$450K → $400K
St Augustine median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
75 of 183
St Augustine actives have cut their price
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 72% above the ST AUGUSTINE 32092 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 128 WINDWALKER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$1,080,000
2045 CROWN DRIVE
4 bd · 3.5 ba · 3,321 sqft · $325/sqft · 116 DOM
Sold · Mar ’26$695,000
1818 W COBBLESTONE LANE
5 bd · 3 ba · 3,318 sqft · $209/sqft · 219 DOM
Sold · Aug ’25$1,050,000
233 YORKSHIRE DRIVE
4 bd · 3 ba · 3,168 sqft · $331/sqft · 8 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 128 WINDWALKER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 128 WINDWALKER DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
128 WINDWALKER DRIVE FAQs
What would the monthly payment be for 128 WINDWALKER DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,654/mo — principal and interest, the actual property-tax bill, the $64/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 128 WINDWALKER DRIVE?+
The association fee works out to $64 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 128 WINDWALKER DRIVE?+
The most recent tax bill on record (2025) was $8,022. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 128 WINDWALKER DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Augustine?+
At $825,000, this home is listed about 88% above the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 128 WINDWALKER DRIVE?+
Palencia Elementary School (elementary), Allen D Nease Senior High School (high), First Coast Technical College (high), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$825,000 runs 72% above the ST AUGUSTINE 32092 median — but at 3,783 sqft it's also nearly twice the size of the typical St Augustine listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Palencia Elementary School, Allen D Nease Senior High School, First Coast Technical College, Mky- Head Start /Dpp Pk School — Palencia Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $850,000, now $825,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DOGWOOD REALTY · Elaine Samaan. MLS #O6413962.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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