David Ramirez
$514,9004 bd3 ba2,484 sqft$207 /sqft$4,034 /mo all-in ↓

338 WILLOW LAKE DRIVE, ST AUGUSTINE, FL, 32092

Active39 days on marketListed Jun 13, 2026MLS #FC319255

Single Family ResidenceGRAN LAKE PH 2

About this home

338 WILLOW LAKE DRIVE

Welcome to the one you've been waiting for in the highly sought-after community of Gran Lake. Showcasing one of Dream Finders Homes' most admired and desirable floor plans, this exceptional residence seamlessly blend style with everyday functionality, offering an expansive open-concept design, four bedrooms, three full bathrooms, and thoughtfully curated upgrades that reflect true pride of ownership. From the moment you arrive, it is evident that this home has been meticulously cared for and genuinely loved. The current owners have invested in countless enhancements that a new homeowner won't have to take on after closing. A whole-house water filtration system, gutters surrounding the entire exterior, a transferable termite bond, surround sound system, and a stunning multi-color exterior soffit lighting system have already been added, elevating both convenience and curb appeal. By evening, the exterior transforms into a true showstopper. At the heart of the home, you'll discover a kitchen designed to impress and built to gather around. The oversized quartz island anchors the space beautifully, creating the perfect setting for entertaining, casual meals, homework sessions, and festive celebrations alike. A gas cooktop will delight the home chef, while an abundance of cabinetry and generous storage solutions make this a kitchen to be envious of. The spacious and thoughtfully designed layout provides the flexibility today's buyers crave. Whether hosting extended family, welcoming overnight guests, or simply enjoying day-to-day life, the three full bathrooms and open living spaces allow everyone to spread out comfortably while remaining connected. This is a home equally suited for creating cherished family memories and entertaining on a grand scale. Primary suite with spa-like primary bathroom is nothing short of zen-like! Two walk-in closets elevate the space as well. Step outside to your own private retreat, where the backyard offers a peaceful setting to unwind at the end of the day. Relax beneath the stars in the hot tub, which conveys with the property, entertain friends on the patio, or simply enjoy the privacy and tranquility of your surroundings. Need room for hobbies, recreational equipment, or additional vehicles? The oversized three-car garage provides the flexibility and storage space that is increasingly hard to find. Additional energy-efficient features include a tankless water heater for added comfort and convenience. Beyond the home itself, Gran Lake continues to be one of the area's most beloved communities, known for its welcoming atmosphere, well-maintained surroundings, and exceptional value. Residents enjoy an impressive collection of amenities designed to enhance an active and connected lifestyle, all while benefiting from affordable HOA fees and the increasingly rare advantage of NO CDD fees. Lakefront pool, clubhouse, sports field for family time, kayak storage, fishing dock, walking trails and sidewalks. This is more than just a beautiful home. It is an opportunity to enjoy a thoughtfully upgraded lifestyle in a community where neighbors become friends, conveniences are close at hand, and every detail has already been carefully considered for you.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,484

Sqft

0.2 ac

Lot size

3

Garage

2021

Year built

One

Levels

$207

Per sqft

Inside

FlooringCarpet · Tile
AppliancesBuilt-In Oven · Disposal · Freezer · Microwave · Range · Refrigerator · Tankless Water Heater · Water Filtration System
InteriorCeiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric · Heat Pump

Outside & construction

RoofShingle
ConstructionCement Siding
FoundationSlab
FacesEast
ParkingGarage Door Opener · Oversized
ExteriorRain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$145/mo
Taxes (2025)$5,645/yr
PetsCats OK, Dogs OK
CommunityDock · Fishing · Water Access · Association Recreation - Owned · Clubhouse · Community Mailbox · Deed Restrictions · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesCable Available · Electricity Connected · Natural Gas Available · Phone Available · Public · Sewer Connected · Street Lights · Underground Utilities
WaterPublic

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.

$4,034 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,031
FHA mortgage insurance (est.)$228
Property tax — 2025 actual bill$470
HOA fee — from the listing$145
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,022Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,022
Interest rate6.00%
Loan term

Estimated payment

$4,034/mo

Principal & interest$3,031
FHA mortgage insurance (est.)$228
Property taxes (actual bill)$470
HOA / condo fee$145
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

List $515K
$484KedgeAI estimate $507,517 · range $504K$512K$535K

vs edgeAI estimate

+1.5%

$/sqft vs St Augustine actives

$207 vs $241

Days on market

39 vs 39 typical

Where $207/sqft sits among the 179 St Augustine actives

87 · this home
39
16
13
6
18
$175–239$239–304$304–368$368–432$432–497$497+

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 Gran Lake

Map of 338 WILLOW LAKE DRIVE inside its neighborhood boundary

Get to know St Augustine. See the full St Augustine guide →

Gran Lake — neighborhood snapshot

Population

1,685

Median age

37

Median income

$103,813

Median home value

$454,500

Avg household

3

Households w/ children

201

For the school run

St. Johns County School District

ElementaryPicolata Crossing Elementary School★★★★
MiddlePacetti Bay Middle School★★★★
HighTocoi Creek High School★★★★
HighFirst Coast Technical College
Mky- Head Start /Dpp Pk School

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Augustine market

Seller’s marketSeller’s market2.9 months of inventoryBuyer’s market

$450K$400K

St Augustine median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

74 of 179

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 7% above the ST AUGUSTINE 32092 median. See the full St Augustine market guide →

Paper trail

This home's history

Jun 13, 2026Listed at $514,900 · 39 days on market since
2021Built · GRAN LAKE PH 2

Reality check

What actually sold near 338 WILLOW LAKE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

714 FARMFIELD DRIVESold · Jun ’26

$490,000

714 FARMFIELD DRIVE

4 bd · 3 ba · 2,500 sqft · $196/sqft · 0 DOM

269 BLUEGRASS WAYSold · Jun ’26

$466,000

269 BLUEGRASS WAY

4 bd · 3 ba · 2,500 sqft · $186/sqft · 0 DOM

815 FARMFIELD DRIVESold · Aug ’25

$554,372

815 FARMFIELD DRIVE

4 bd · 3 ba · 2,500 sqft · $222/sqft · 0 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 338 WILLOW LAKE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 338 WILLOW LAKE DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

338 WILLOW LAKE DRIVE FAQs

What would the monthly payment be for 338 WILLOW LAKE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,034/mo — principal and interest, the actual property-tax bill, the $145/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 338 WILLOW LAKE DRIVE?+

The association fee works out to $145 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 338 WILLOW LAKE DRIVE?+

The most recent tax bill on record (2025) was $5,645. 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 338 WILLOW LAKE DRIVE?+

The listing reports pets: Cats OK, Dogs OK. 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 $514,900, this home is listed about 17% 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 338 WILLOW LAKE DRIVE?+

Picolata Crossing Elementary School (elementary), Pacetti Bay Middle School (middle), Tocoi Creek 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.

Listing courtesy of KELLER WILLIAMS RLTY FL. PARTN · BJ Patton. MLS #FC319255.

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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