Townhouse in Waterford Lakes, St. Johns · No CDD · Built 2022
Waterford Lakes · St. Johns, FL 32092 · St. Johns
Listing data updated September 11, 2026 · refreshed twice daily
2Bedrooms
2.5Bathrooms
1,210Sq Ft
2022Year Built
$202Per Sq Ft
1-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$202 here vs $206 median sold (12 mo)
Buyer leverage
Buyer advantage
20 days on market
26.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~26 ft elevation
$500–$1k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 5
Price vs recent sales
Asking $245k is at or below all 5 recent closed sales
As of September 11, 2026, 392 COASTLINE Way in Waterford Lakes, St. Johns is listed at $245,000 (1,210 sq ft, about $202 per sq ft). That sits within a few percent of Waterford Lakes's median closed sale of $259,900 over the last 12 months (5 recorded sales). It has been 20 days on market, well inside the community's typical 58 days. Listing facts: built in 2022, HOA dues of $127/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2022 · 4 yrs
1,210 sq ft of living area
1-car garage
Listed at $245,000 — recent neighborhood median sale price ~$259,900 (nearby sales; deemed reliable, not an appraisal)
20 days on market
HOA $127/mo (per listing)
School district: School GreatSchools Links St. Johns County SchoolCommunity built 2022–2024Foxtail Coffee Co. & Kelly's Ice Cream Silver Leaf · 3 min drivePublix Super Market at Silverleaf Market · 5 min driveThe Windy City On Wheels · 5 min drive
Momentum Research · Waterford Lakes
Pricing & the Waterford Lakes market
How this home is priced against recent nearby sales, and where Waterford Lakes has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Waterford Lakes
Each dot is a closed sale since 2022 (381 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $202/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2022BuiltPer public record
Aug 23, 2026First trackedObserved at $245,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$1,640/mo
Principal & interest $1,266/mo77%
Taxes $176/mo11%
Insurance $71/mo4%
HOA $127/mo8%
$1,640/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current St. Johns County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,200/yr ($267/mo)
-$575 more each year
(--18%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
57/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
57/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area55
This home $202/sq ft vs the community 12-month median $206/sq ft.
Affordability60
List price $245,000 vs the community median $259,900. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~26 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2022 build. Obtain a property-specific quote.
Market liquidity32
Community median 58 days on market, ~26.4 months of supply (12-month record).
Renovation upside30
From a 2022 build and $202/sq ft vs the community median $206/sq ft. Not a condition assessment.
Pricing power48
Recent sales closed at about 98.5% of original asking (~1.5% below). More room below asking generally favors buyers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 26.4 months of supply in the surrounding market and 20 days on market for this home, against a 58-day area median.Days on market:this home 20Area median: 58 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of September 10, 2026.
🟡 Asking $202 per square foot, about in line with the community’s $206 median. Waterford Lakes’s 12-month median sold price per square foot is $206. Median sold price per square foot is down 11.9% year over year. Confidence: Low · 5 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Waterford Lakes sales closed near 98.5% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 11 active listings in Waterford Lakes, no CDD assessment.
Updated September 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to 392 Coastline Way, where everyday living feels like a getaway. Nestled in the sought-after Silverleaf community, this home offers bright, open spaces, stylish finishes, and a layout designed for both connection and comfort. The heart of the home is the expansive kitchen and living area--perfect for hosting friends, cooking together, or unwinding after a long day.
Large windows fill the space with natural light, creating a warm, inviting atmosphere. The primary suite delivers resort-level relaxation, while the additional bedroom adapt effortlessly to your lifestyle. Step outside to enjoy a peaceful backyard oasis ideal for grilling, lounging, or simply soaking in the Florida sunshine.
With access to Silverleaf's pools, parks, trails, and vibrant community events, this home puts the best of modern living right at your doorstep. Owned by the Secretary of the VA and is sold as is. May qualify for Vendee(seller) financing.
Description provided by DOCTORS LAKE REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$245,000
Bed / bath2 / 2.5
Living area1,210 sq ft
Year built2022
Property typeTownhouse
Garage1-car
MLS #2161404
Listing status20 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~26 ft
Windstorm exposureModerate
CountySt. Johns
Area listings11 active · 1 under contract
Estimated first-year tax~$2,107/yr
CDD assessmentNone on record
HOA (per listing)$127/mo
Calculated estimates
Price per sq ft$202
Estimated monthly payment$1,640
Insurance (illustrative)$500–$1k/yr
Comparable-sales median$259,900
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$219,010the mess$279,510
Actual list price: $245,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $127/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 20 days on market vs. a 58-day community median
11 active listings competing, 1 under contract
≈26.4 months of supply
5 closed here in the last 12 months
For reference, this home is listed at $245,000 ($202/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,210 sq ft × $181–$231/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 11, 2026.
Keep looking
Similar homes for sale near Waterford Lakes
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $245,000Momentum Realty · on market 20 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$2,107/yr
A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$500–$1k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$127/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~26 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by DOCTORS LAKE REALTY · MLS # 2161404
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Market data · public records
Recent sales activity in Waterford Lakes
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Waterford Lakes neighborhood guide for more.
Comparable sales found
3
Recent nearby closings in the data set.
Community median sale price
$259,900
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$206
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Waterford Lakes
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Development
Baptist Health opens first phase of SilverLeaf medical campus
Baptist Health opened the first phase of its SilverLeaf medical campus on June 23 at 8595 St. Johns Parkway, a 58,979 square foot building about 3 miles north of International Golf Parkway. The opening phase houses primary care offices and a wellness center and provides cardiology, rehabilitation, and laboratory services, with orthopedic and neurology specialists scheduled to begin seeing patients in the fall. The campus and village sit within the same SilverLeaf master plan.
Why it matters: A hospital system campus inside the master plan may shorten routine care trips for Waterford Lakes at SilverLeaf residents as specialties come online.
New SilverLeaf K-8 on track to open for 2026-2027 with attendance boundary changes
A new K-8 campus under construction on Courtney Vista Drive in the SilverLeaf area is set to open for the 2026-2027 year, designed for roughly 1,500 students and opening with kindergarten through seventh grade. Along with a companion campus in Nocatee, the openings are expected to shift attendance boundaries for nearly 2,000 students across SilverLeaf area neighborhoods. The campus and village sit within the same SilverLeaf master plan.
Why it matters: Zoning for Waterford Lakes at SilverLeaf could change as the new campus opens, so buyers may want to confirm current attendance boundaries with the district.
Publix opens largest Northeast Florida store at SilverLeaf Parkway
Publix opened a 55,700 square foot store at 1975 SilverLeaf Parkway near International Golf Parkway and St. Johns Parkway, its largest location in Northeast Florida and a showcase of the chain's newest prototype. Features include a Publix Pours beer, wine, and coffee bar and an expanded deli, with an adjacent liquor store and inline retail at the center. The campus and village sit within the same SilverLeaf master plan.
Why it matters: An anchor grocer inside the master plan may reduce everyday drive times for Waterford Lakes at SilverLeaf households and support additional inline retail.
St. Johns County breaks ground on $36M Silverleaf Sportsplex
County officials held a June 20 groundbreaking for the Silverleaf Sportsplex, a roughly $36 million regional athletic complex on about 40 acres at Timberwolf Trail and County Road 16A, alongside the Shearwater Community Park project. Plans include four synthetic turf multipurpose fields, three natural grass fields, a lighted stadium field with track, playground, and concessions, with opening targeted for early 2027. The campus and village sit within the same SilverLeaf master plan.
Why it matters: A county sportsplex minutes from Waterford Lakes at SilverLeaf could add recreation capacity that master planned communities have historically leaned on for resale appeal.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix Super Market at Silverleaf Market 5 min
Dining
The Windy City On Wheels 5 min
Shopping
St. Johns Commons 10 min
Parks
Bluegreen Vacations Grande Villas at World Golf Village 13 min
Assigned schools
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Wards CreekAssigned elementary school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Pacetti BayAssigned middle school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Tocoi CreekAssigned high school · St. Johns County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$249,000
98 COASTLINE Way, St. Augustine
2 / 2.5 bd/ba · 1,210 sq ft · $206/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold May 2026
$259,900
29 EMBER Street, St. Augustine
2 / 2.5 bd/ba · 1,210 sq ft · $215/sq ft
Courtesy of IHEART REALTY INC · View details →
Sold Dec 2025
$258,000
186 COASTLINE Way, St. Augustine
2 / 2.5 bd/ba · 1,210 sq ft · $213/sq ft
Courtesy of PONTE VEDRA CLUB REALTY, INC. · View details →
Community 12-month median: $206/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,123 – $1,633/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$550 – −$91At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 392 COASTLINE Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $127/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,210 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $2,107/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
St. Johns
Groceries, dining, and parks for this city — see the city guide.
realMLS, refreshed twice daily (last: September 11, 2026)
Community market stats
realMLS closed sales, as of September 10, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 392 COASTLINE Way and when was it built?
Per the listing record, 392 COASTLINE Way was built in 2022 and has 1,210 sq ft of living area, 2 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 392 COASTLINE Way in?
392 COASTLINE Way is in Waterford Lakes in St. Johns, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Waterford Lakes from the same MLS data.
Does 392 COASTLINE Way have an HOA, and how much are the dues?
The listing reports HOA dues of $127 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 392 COASTLINE Way differ from the current owner's?
The estimate on this page (about $2,107 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 392 COASTLINE Way in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 392 COASTLINE Way in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
