
338 WILLOW LAKE DRIVE, ST AUGUSTINE, FL, 32092
Active39 days on marketListed Jun 13, 2026MLS #FC319255
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
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.
$4,034 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,034/mo
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.
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
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
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
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)
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
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.
Sold · Jun ’26$490,000
714 FARMFIELD DRIVE
4 bd · 3 ba · 2,500 sqft · $196/sqft · 0 DOM
Sold · Jun ’26$466,000
269 BLUEGRASS WAY
4 bd · 3 ba · 2,500 sqft · $186/sqft · 0 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 338 WILLOW LAKE DRIVE — start here.

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.
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.
Keep looking
Similar homes nearby
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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