Wards Creek in St. Augustine

Wards Creek Homes for Sale in St. Augustine, FL

Newer master-planned community · World Golf Village area · ZIP 32092

Newer World Golf Village-area value with top schools, an amenity area minutes from I-95.

Top-rated St. Johns schoolsAmenity area and poolMinutes to I-95 and WGV
Live Market Pulse
56/100
Momentum
Balanced Market (limited data)
A schools-driven market where the all-in monthly with any CDD, condition, and the lot set the number on any specific home.
Free · No obligation
Unlock Off-Market Wards Creek

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulserealMLS
$710K
Median Price
6mo
Supply
15days
Avg DOM
Balanced
Seller Leverage
$232/sf
Median $/Sqft
+9%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Wards Creek is a newer value play in the World Golf Village area, so the read is about the lot, carrying cost, and condition. The top-rated district and quick I-95 access drive demand. Confirm the HOA and any CDD, then price condition against the lot."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Wards Creek market snapshot (as of June 13, 2026): the median sale price is about $710K ($232 per sq ft), with homes averaging 15 days on market and 6.0 months of supply, a balanced market (limited data). Values are up 9% over the past year and up 13% since 2020, based on 4 recent closings in live realMLS data.

The SR-16 corridor west of I-95 is where St. Augustine buyers go for space, and Wards Creek delivers it with structure: preserve-wrapped homesites, a lakefront amenity campus, no CDD, and storage for the boat and the camper, next door to the Arbor Mill area.

Wards Creek reads as a practical, roomy community: the lantern-topped entrance monument, the lake with the pool and tennis beside it, the field for weekend games, and the storage lot full of boats and RVs, which tells you who buys here.

Best for

  • Buyers prioritizing top-rated St. Johns schools
  • Those who want newer construction with an amenity area
  • Buyers who value quick I-95 access
  • Value buyers comfortable with modest HOA costs

Probably not for

  • Buyers who want no fees and the lowest carrying cost
  • Those seeking golf or a large town center
  • Anyone wanting an established no-fee neighborhood
  • Buyers who need walkable urban living

How Wards Creek is performing right now

56/100
momentum
Balanced Market (limited data)
Seller's marketBalancedBuyer's market
6Months of supplytight
15Median days on marketdays
1 : 2Under contract vs for salestrong demand
4Sold in last 12 monthsliquidity
+13%Median price since 2020appreciation
+1%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from realMLS, as of June 13, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Wards Creek listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Wards Creek buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Wards Creek

Live MLS inventory for Wards Creek. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Wards Creek listings as of 2026-06-13, priced high to low. Source: Data provided by realMLS.. Tap any home to ask about it.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

I-95About 10 minutes
World Golf VillageAbout 10 minutes
The outletsAbout 10 to 15 minutes
Historic St. AugustineAbout 20 to 25 minutes
Jacksonville SouthsideAbout 35 to 40 minutes

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Wards Creek Homes for Sale in St with Momentum Realty’s local guides.

Heritage Landing Homes for Sale in StHeritage Landing Homes for Sale in StSt. Augustine, FL · 0.7 miArbor Mill Homes for Sale in StArbor Mill Homes for Sale in StSt. Augustine, FL · 0.7 miSilver Falls at SilverLeaf Homes for Sale in StSilver Falls at SilverLeaf Homes for Sale in StSt. Augustine, FL · 0.9 miGran Lake Homes for Sale in StGran Lake Homes for Sale in StSt. Augustine, FL · 1.1 miMurabella Homes for Sale in StMurabella Homes for Sale in StSt. Augustine, FL · 1.2 miThe Residences at World Golf Village Homes for Sale in StThe Residences at World Golf Village Homes for Sale in StSt. Augustine, FL · 1.2 miThe Legends at WGV Homes for Sale in StThe Legends at WGV Homes for Sale in StSt. Augustine, FL · 1.4 miReverie at TrailMark Homes for Sale in StReverie at TrailMark Homes for Sale in StSt. Augustine, FL · 1.4 miTurnberry Homes for Sale in StTurnberry Homes for Sale in StSt. Augustine (World Golf Village), FL · 1.5 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Wards Creek (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • St. Johns County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Wards Creek is served by St. Johns County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

PreK-5

Wards Creek Elementary School

6-8

Pacetti Bay Middle School

9-12

Tocoi Creek High School

Private 9-12

St. Joseph Academy

Buying with schools in mind? We can confirm the exact zoned schools for any Wards Creek address.

The takeaway

What is shaping value at Wards Creek: St. Johns County's rapid growth, top-rated schools, and continued investment around the World Golf Village interchange. Each item is sourced and linked.

Recent Developments in Wards Creek

Our read on what is being built around Wards Creek, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishCounty growth and top schools point up; the watch item is how much new supply the wider area adds.

St. Johns County's rapid growth

Ongoing
BullishMajor impact
SignificanceRadius: County

St. Johns added more than 69,000 residents over five years, deepening demand for the top-rated district.

Top-rated St. Johns school district

Ongoing
BullishMajor impact
SignificanceRadius: County

St. Johns consistently ranks among Florida's top districts, a core demand driver here, with Wards Creek Elementary serving the area.

World Golf Village interchange investment

Ongoing
BullishNotable impact
SignificanceRadius: Corridor

Continued retail and healthcare growth around the I-95 interchange strengthens everyday convenience.

Newer, lower-maintenance homes

Ongoing
BullishNotable impact
SignificanceRadius: Community

Recent construction lowers near-term renovation and systems risk for buyers.

HOA and any CDD carrying cost

Ongoing
NeutralNotable impact
SignificanceRadius: Community

Confirm the HOA and any CDD on the tax bill for the specific home.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Wards Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. September 2025
    Growth

    St. Johns County addresses growth and rezoning

    County leaders weighed school rezoning amid tens of thousands of new residents over five years. Why it matters: Sustained county growth supports values for newer WGV-area communities like Wards Creek. Source

  2. June 2025
    Schools

    St. Johns remains a top-rated Florida district

    St. Johns County continued to rank among Florida's highest-performing districts as it grew. Why it matters: The district is the core, durable demand driver for communities like Wards Creek. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Wards Creek, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the HOA and any CDD and compute the all-in monthly.

2

Weigh new construction vs. resale on incentives, lot, and timeline.

3

Choose the lot: pond or preserve over a busy through-street.

4

Confirm school assignment for the exact address.

5

Move on well-priced updated homes, which sell steadily here.

Best Buy
A newer home on a pond or preserve lot
Biggest Risk
Underbudgeting the HOA and any CDD carrying cost
Best Lot
Pond or preserve over a busy through-street
Smart Timing
Buy ahead of continued county growth
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

The Homes

Type

Single-family, master-planned

Built

Largely 2010s to new construction

Size

About 1,600 to 3,200+ sq ft

Status

Established and finishing build-out

Costs & Fees

HOA

Covers common areas and amenities

CDD

Possible; confirm per parcel

Taxes

St. Johns County millage; confirm per parcel

Amenities

Community

Amenity area, pool, and ponds

Setting

World Golf Village area, off International Golf Parkway

Access

I-95 and International Golf Parkway

Schools

Top-rated St. Johns County public schools

Location

Area

World Golf Village area, northwest St. Johns County

Access

Minutes to I-95 and International Golf Parkway

St. Augustine

About 15 to 20 minutes

Beaches

About 30 to 40 minutes

The Homes & Style

Wards Creek appeals to buyers with boats, campers, and a need for elbow room, plus value buyers shopping the SR-16 corridor.

It trades in the attainable-to-mid St. Augustine band by lot and condition. Price a specific home off the closest comparable sales.

The no-CDD math and the storage lot keep a specific, loyal buyer pool.

Wards Creek is about the lot, the plan, and the condition.

Larger preserve-wrapped lots are the signature product.

A range of single-family plans with the builder known for construction quality.

Condition and updates drive price within the community.

Living Here

The amenity campus is built around the lake and the lifestyle.

The community pool sits on the lake with a fountain view.

A tennis court and multi-purpose field cover the active side.

A picnic area with summer kitchen.

A resident-only storage lot, the signature amenity.

The SR-16 and World Golf Village corridors cover everyday needs about ten minutes away, with the outlets and historic district close behind.

Off-site boat and RV storage runs real money monthly; the resident lot pays for a chunk of the HOA dues by itself.

Wards Creek and Arbor Mill form the no-CDD pocket of the corridor; comp them together.

The preserve-wrapped homesites are the product; prioritize the lot over the finish package.

Before You Offer

Confirm the HOA and any CDD for the specific home, and compute the all-in monthly before judging a list price.

Confirm the lot for pond, preserve, or interior position, and what is built or planned around it as the community finishes.

Inspect roof, HVAC, and systems on 2010s homes, and weigh any remaining new construction against resale.

Confirm school assignment by address with the district, and verify the I-95 commute.

Wards Creek vs. Comparable World Golf Village Communities

Wards Creek competes with the other newer communities of the World Golf Village area. Against Murabella and the larger WGV plans, it offers a value-oriented, newer community with an amenity area in the same top-rated St. Johns district, while the larger plans add deeper amenities or golf.

Against established St. Augustine neighborhoods, Wards Creek trades mature trees for newer construction, an amenity area, and the district. The honest shorthand: pick Wards Creek for newer WGV-area value in top schools; pick a larger plan for amenities or an established neighborhood for character.

Who Wards Creek Fits Best

Wards Creek fits buyers who want newer construction with an amenity area and top-rated St. Johns schools in the World Golf Village area, anyone who values quick I-95 access, and value buyers comfortable with modest HOA costs.

Wards Creek is a weaker fit buyers who want no fees and the lowest carrying cost, those seeking golf or a large town center, or anyone who prefers an established no-fee neighborhood.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The Value Entry
$628K to $710K

Smaller newer single-family homes, the value entry into the St. Johns district.

Lowest entry
The Core Home
$710K to $799K

Newer 3 to 4 bedroom homes on solid lots, the heart of the market.

Most inventory
The Top
$799K to $799K

The largest homes on pond or preserve lots, the ones that hold value best.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$628K to $710K
The Value Entry
Smaller newer single-family homes, the value entry into the St. Johns district.
$710K to $799K
The Core Home
Newer 3 to 4 bedroom homes on solid lots, the heart of the market.
$799K to $799K
The Top
The largest homes on pond or preserve lots, the ones that hold value best.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Top-rated St. Johns schoolsStrong
Newer, low-maintenance constructionStrong
World Golf Village conveniencePositive
St. Johns County growthPositive
HOA and any CDD carrying costConfirm it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Wards Creek

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Schools and the location are priced in. The deal is won on the lot, the condition, and the all-in monthly.

Jon Brooks · Founder, Momentum Realty
8.0A- · Buy Score
Resale Strength8.0/10
Renovation Risk8.4/10
Location Efficiency8.0/10
Long-Term Defensibility7.8/10
Carrying Cost Advantage6.6/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Wards Creek is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

15-Second Take
  • Pond and preserve lots hold value best
  • Busy through-streets are where buyers overpay
  • The lot cannot be changed; the finishes can
  • Quiet streets resell faster
  • Read the lot and any CDD before the finishes

In a newer community the lot is the durable part of your money. Pond views, preserve buffers, and quiet streets command and hold a premium over busy through-streets. Read the lot, the view, and any CDD level first, then price the home's condition against it.

Wards Creek in 15 seconds.

Best forbuyers who want newer value and top schools in the WGV area.
Biggest advantageTop St. Johns schools and an amenity area minutes from I-95.
Biggest riskThe HOA and any CDD carrying cost to confirm per home.
Sweet spotA newer home on a pond or preserve lot.
Avoid ifyou want no fees, golf, or a large town center.

HOA, CDD & Fees

15-Second Take
  • HOA covers common areas and the amenity
  • Some sections may carry a CDD
  • Newer homes keep maintenance lower
  • Amenity area and pool
  • Read the all-in monthly, not just the list price

Wards Creek carries an HOA covering the common areas and amenity area, and some sections may carry a CDD assessment on the St. Johns County tax bill. Confirm the HOA dues and any CDD balance and remaining term for the specific home.

The HOA funds the amenity area, pool, ponds, and common areas. Where a CDD exists, it funds the roads and amenities and is paid through the tax bill.

There is no country club. Recreation is the community amenity area and pool, plus nearby St. Augustine parks and the beaches.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Wards Creek, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Murabella, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Wards Creek home worth?

Get a no-obligation home value based on real comparable sales in Wards Creek matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See the full Wards Creek home value & selling guide, recent comps, fees, and 2026 timing →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Wards Creek year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

How much local inventory is already under contract

40% of homes for sale in ZIP 32092 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-06-23).

Wards Creek Market Scorecard

Buyer's market

Wards Creek is currently a buyer's market. About 6.0 months of supply, a median asking price of $807,450, and homes go under contract in about 26 days.

6.0
Months supply
$807,450
Median list
$710,000
Median sold
$232
Per sqft
26
Days on mkt
2/1/4
Active/Pend/Sold

Typical home value in the 32092 ZIP is $468,320, about 23.1% below the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Wards Creek?
Off SR-16 near the World Golf Village corridor in west St. Augustine, ZIP 32092.
Does Wards Creek have a CDD?
No. Wards Creek has NO CDD, one of its core advantages.
Who builds in Wards Creek?
Ashley Homes, known for estate-style lots and construction quality.
What amenities does Wards Creek have?
A lakefront pool, a tennis court, a multi-purpose sports field, a picnic pavilion with summer kitchen, and resident boat and RV storage.
Does Wards Creek have boat and RV storage?
Yes, an on-site resident-only storage lot; confirm availability and rules.
What do homes in Wards Creek cost?
The community trades in the attainable-to-mid St. Augustine band by lot and condition. Price off recent comparable sales.
What schools serve Wards Creek?
The top-rated St. Johns district; confirm the exact zoning for an address.
Is Wards Creek gated?
No, the community is not gated.
How far is Wards Creek from I-95?
About ten minutes.
How far is Wards Creek from historic St. Augustine?
About 20 to 25 minutes.
Are the lots really bigger in Wards Creek?
Preserve-wrapped, estate-style homesites are the signature; lot sizes vary, so confirm the survey.
Is Wards Creek in a flood zone?
Lake and creek edges vary; pull the designation for the specific address.
How does Wards Creek compare to Arbor Mill?
Both are no-CDD with boat storage in the same corridor; builder, lot, and timing decide it.
Does Wards Creek have parks, larger lots, and zoned schools?
Yes, the schools, the field, the pavilion, and the space make it a family fit.
Who should I call about buying in Wards Creek?
Call Momentum Realty at (904) 351-6461 or use the form on this page, and we will connect you with a St. Augustine specialist.
Do I need my own agent to buy in Wards Creek?
Yes. The listing agent works for the seller. Your own agent represents only you, confirms the storage and HOA details, pulls the true comparable sales, and structures an offer that protects you.
You want top-rated St. Johns schoolsExcellent fit
You want newer construction with an amenity areaExcellent fit
You value quick I-95 accessExcellent fit
You will budget the HOA and any CDD honestlyExcellent fit
You want no fees and the lowest carrying costProbably not
You want golf or a large town centerProbably not
You prefer an established no-fee neighborhoodProbably not
You need walkable urban livingProbably not

Get the inside read on Wards Creek

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Wards Creek home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Wards Creek specialist will reach out personally, usually the same day.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.
Thinking about hiring an agent here? How to find the best real estate agent in Wards Creek — what to look for, questions to ask, and your local expert.

Zoom out before you decide: see the Duval County market guide or every community in the Neighborhood Finder.

Get my St. Johns County cash offer →

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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the RealMLS member average and 8 days faster, and we’ll price yours against live your area comps.

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