136 MONTSERRAT DRIVE, ST AUGUSTINE, FL, 32092
Active0 days on marketListed Jul 25, 2026MLS #O6428124
About this home
136 MONTSERRAT DRIVE
Welcome to 136 Montserrat Drive, a beautifully maintained 2021 home in the highly desirable Windward Ranch community. Offering 3 bedrooms, 2 bathrooms, a dedicated office/flex space, and approximately 1,737 square feet of thoughtfully designed living space, this home combines modern style with everyday functionality. The open-concept floor plan seamlessly connects the kitchen, dining, and living areas, creating an ideal space for entertaining or relaxing with family. The split-bedroom layout provides added privacy, while the versatile office is perfect for working from home, a fitness room, or additional guest space. Enjoy peaceful wooded views from the screened lanai, creating a private outdoor retreat. Additional features include a tankless water heater, modern finishes throughout, and an attached two-car garage. Located in the sought-after Windward Ranch community, residents enjoy exceptional amenities including a resort-style pool, clubhouse, playground, and recreational areas. Conveniently situated near top-rated St. Johns County schools, shopping, dining, I-95, and the historic charm of downtown St. Augustine, this home offers the perfect combination of comfort, convenience, and lifestyle. Don't miss the opportunity to own a move-in ready home in one of St. Augustine's most desirable communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,737
Sqft
0.17 ac
Lot size
2
Garage
2021
Year built
One
Levels
$242
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.
$3,374 /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
$3,374/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.
$/sqft vs St Augustine actives
$242 vs $244
Days on market
0 vs 39 typical
Where $242/sqft sits among the 178 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 Windward Ranch
Get to know St Augustine. See the full St Augustine guide →
Windward Ranch — neighborhood snapshot
Population
1,828
Median age
42
Median income
$140,793
Median home value
$448,200
Avg household
3
Households w/ children
316
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 178
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 13% below the ST AUGUSTINE 32092 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 136 MONTSERRAT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$490,000
273 WHISPER RIDGE DRIVE
3 bd · 2 ba · 1,833 sqft · $267/sqft · 33 DOM
Sold · Mar ’26$315,000
1725 S SUMMER RIDGE COURT
3 bd · 2 ba · 1,613 sqft · $195/sqft · 147 DOM
Sold · May ’26$400,000
145 WHISPER RIDGE DRIVE
4 bd · 3 ba · 2,071 sqft · $193/sqft · 23 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
Kerry Perro
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 136 MONTSERRAT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 136 MONTSERRAT DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kerry's phone and CRM.
Straight answers
136 MONTSERRAT DRIVE FAQs
What would the monthly payment be for 136 MONTSERRAT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,374/mo — principal and interest, the actual property-tax bill, the $130/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 136 MONTSERRAT DRIVE?+
The association fee works out to $130 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 136 MONTSERRAT DRIVE?+
The most recent tax bill on record (2025) was $5,122. 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 136 MONTSERRAT DRIVE?+
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 $419,900, this home is listed about 5% below the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 136 MONTSERRAT DRIVE?+
First Coast Technical College (high), St. Augustine High School (high), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST AUGUSTINE 32092 market on paper
$419,900 is 13% below the ST AUGUSTINE 32092 median of $479,990, and at $242/sqft it sits under the St Augustine average of $309.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Listed today in a St Augustine market that averages 39 — if it fits, move quickly.
04Strong assigned schools
First Coast Technical College, St. Augustine High School, Mky- Head Start /Dpp Pk School — St. Augustine High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of THE AGENCY FL · Joshua Hill. MLS #O6428124.
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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