Steeve Cadeau
$1,450,0004 bd3 ba3,444 sqft$421 /sqft$9,492 /mo all-in ↓

9277 JULY LANE, ST AUGUSTINE, FL, 32080

Active23 days on marketListed Jun 26, 2026MLS #FC319552

WaterfrontPrivate poolSingle Family ResidenceSUMMER ISLAND PH 01

About this home

9277 JULY LANE

Experience the ultimate in coastal living in this stunning 4-bedroom, 3-bath Intracoastal estate, perfectly positioned on a rare double lot at the end of a quiet cul-de-sac within a gated community offering pickleball courts and unobstructed water views. With the Atlantic Ocean and pristine beaches directly across the water, you'll enjoy breathtaking sunrises from the front of the home and spectacular sunsets over the Intracoastal from the rear, creating a setting that feels like a private resort. Inside, soaring ceilings and walls of windows fill the home with natural light, while the open-concept design is ideal for both everyday living and entertaining. Rich oak hardwood floors and tile flow throughout, complementing the inviting living area with its dramatic fireplace and expansive water views. The beautifully designed kitchen is a chef's dream, featuring abundant custom wood cabinetry, granite countertops, stainless steel appliances, a center island, and plenty of workspace for gathering with family and friends. Thoughtfully designed for comfort and flexibility, the home offers a private bedroom suite on the first floor, perfect for guests or multigenerational living. Upstairs, the impressive primary suite overlooks the Intracoastal and captures views of the Atlantic Ocean beyond. Wake each morning to ever-changing water vistas and unwind in the spacious bath with soaking tub and separate shower. Additional bedrooms provide generous space and privacy for family and guests. Outdoor living is where this exceptional property truly shines. The sparkling pool, waterfront fire pit, and multiple covered decks create endless opportunities for relaxation and entertaining. The oversized dock is more than just a place to keep your boat. Designed with gatherings in mind, it offers room for multiple vessels, features a 20,000-pound boat lift, and provides the perfect setting for sunset dinners, celebrations, or simply enjoying life on the water. Watch dolphins play, manatees glide by, and an endless parade of sailboats and cruisers pass along the Intracoastal from your own backyard. Offering privacy, space, and unforgettable views from nearly every room, this extraordinary waterfront retreat combines luxury, boating, and the beauty of Florida's coast in one remarkable property. Whether you're enjoying your morning coffee as the sun rises over the ocean, spending the day on the water, or gathering around the fire pit as the sky glows with sunset colors, every day here feels like a vacation. Minutes to Historic St. Augustine and Charming Flagler Beach.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,444

Sqft

0.21 ac

Lot size

2

Garage

1993

Year built

Two

Levels

$421

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringMarble · Tile · Hardwood
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator · Wine Refrigerator
InteriorCathedral Ceiling(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingElectric · Heat Pump

Outside & construction

RoofShingle
ConstructionWood Frame · Wood Siding
FoundationSlab
ViewWater
FacesEast
ExteriorBalcony · Fire Pit · French Doors · Irrigation System · Outdoor Grill · Outdoor Kitchen · Private Mailbox · Rain Gutters

Community & fees

HOA fee$254/mo
Taxes (2025)$8,519/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Sprinkler Well · Water Connected
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.

$9,492 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,824
PMI (est., until 20% equity)$544
Property tax — 2025 actual bill$710
HOA fee — from the listing$254
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $145,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $145,000
Interest rate6.00%
Loan term

Estimated payment

$9,492/mo

Principal & interest$7,824
PMI (est., until 20% equity)$544
Property taxes (actual bill)$710
HOA / condo fee$254
Est. insurance$160

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

$421 vs $241

Days on market

23 vs 39 typical

Where $421/sqft sits among the 183 St Augustine actives

91
38
14
14 · this home
8
18
$178–241$241–304$304–366$366–429$429–492$492+

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

Map of 9277 JULY LANE

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

ST AUGUSTINE 32080 — neighborhood snapshot

Population

21,368

Median age

58.3

Median income

$91,201

Median home value

$497,500

Avg household

2.06

Households w/ children

1,323

For the school run

St. Johns County School District

MiddleGamble Rogers Middle School★★★★★
ElementaryW. Douglas Hartley Elementary★★★★
HighPedro Menendez High School★★★★★
Mky- Head Start /Dpp Pk School
HighFirst Coast Technical College

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)

76 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 142% above the ST AUGUSTINE 32080 median. See the full St Augustine market guide →

Paper trail

This home's history

Jun 26, 2026Listed at $1,450,000 · 23 days on market since
1993Built · SUMMER ISLAND PH 01

Reality check

What actually sold near 9277 JULY LANE

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

9411 OLD A1ASold · Aug ’25

$1,250,000

9411 OLD A1A

4 bd · 3 ba · 2,788 sqft · $448/sqft · 482 DOM

141 GENE JOHNSON ROADSold · Apr ’26

$1,013,800

141 GENE JOHNSON ROAD

3 bd · 2.5 ba · 2,671 sqft · $380/sqft · 218 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 9277 JULY LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 9277 JULY LANE — before you fall in love.

See it in person

Schedule a tour

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

Goes straight to Steeve’s phone and CRM.

Straight answers

9277 JULY LANE FAQs

What would the monthly payment be for 9277 JULY LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,492/mo — principal and interest, the actual property-tax bill, the $254/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 9277 JULY LANE?+

The association fee works out to $254 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 9277 JULY LANE?+

The most recent tax bill on record (2025) was $8,519. 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 9277 JULY LANE?+

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 $1,450,000, this home is listed about 230% 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 9277 JULY LANE?+

Gamble Rogers Middle School (middle), W. Douglas Hartley Elementary (elementary), Pedro Menendez High School (high), Mky- Head Start /Dpp Pk School (), First Coast Technical College (high) — St. Johns County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,450,000 runs 142% above the ST AUGUSTINE 32080 median — but at 3,444 sqft it's also nearly twice the size of the typical St Augustine listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Gamble Rogers Middle School, W. Douglas Hartley Elementary, Pedro Menendez High School, Mky- Head Start /Dpp Pk School, First Coast Technical College — W. Douglas Hartley Elementary rates 4 of 5. Always verify assignments with the district.

Listing courtesy of PARKSIDE REALTY GROUP · Deborah Ronson. MLS #FC319552.

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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