44 CATO Court
St. Augustine, FL 32092
MLS# 2161315
4 beds | 3 baths | 2624 sqft
Property DescriptionSome homes just feel easy from the moment you walk through the door, and this beautiful 4-bedroom, 3-bath home in gated Windward Ranch is one of them. Tucked away on a cul-de-sac, it offers 2,027 square feet of thoughtfully designed living space, a private screened lanai, and your own one-year-old heated saltwater pool surrounded by a paver deck. It is the kind of backyard that makes it easy to imagine slow mornings with coffee, afternoons in the pool, and evenings outside with friends.
Inside, the home has the perfect mix of style and everyday comfort. The main living areas feature durable LVP flooring, crown molding, and a welcoming open feel. The gourmet kitchen is truly the heart of the home, with stainless steel appliances, a double oven, large island, generous pantry, composite sink, black faucet, and three pendant lights that add a beautiful finishing touch.
The primary suite is designed to feel like your own retreat, complete with carpeted floors and two
Property Attached YN: No
Current Price: $543,000
Property Sub Type: Single Family Residence
Status: Active
List Price: $543,000
Listing Contract Date: 2026-08-21
Country: US
Parcel Number: 0274422890
Tax Annual Amount: 4002.26
Tax Year: 2025
Tax Legal Description: 78/10-21 WINDWARD RANCH PHASE TWO LOT 289 OR4295/1
Zoning Description: Residential
Elementary School: Mill Creek Academy
Middle School: Mill Creek Academy
High School: St. Augustine
Lot Size Acres: 0.23
Bathrooms Half: 0
Living Area: 2027
Living Area Source: Appraiser
Building Area Total: 2624
CDD Fee YN: No
Accessory Dwelling Unit Y/N: No
Association YN: Yes
Homestead YN: Yes
Association Fee: 433
Association Fee Frequency: Quarterly
Association Name: Windward Ranch HOA c/o TPAM
Association Phone: (904) 295-3921
Waterfront YN: No
Senior Community YN: No
Direction Faces: Southeast
Directions: From I-95 S, take exit 318 for FL-16 toward St Aug/Green Cove. Keep right, turn right onto FL-16 W. Turn Left onto Windward Ranch Blvd/Adoro Wy. Turn right onto St Vincent Dr. Turn left onto Cato Ct, home is 2nd on right.
Public Remarks: Some homes just feel easy from the moment you walk through the door, and this beautiful 4-bedroom, 3-bath home in gated Windward Ranch is one of them. Tucked away on a cul-de-sac, it offers 2,027 square feet of thoughtfully designed living space, a private screened lanai, and your own one-year-old heated saltwater pool surrounded by a paver deck. It is the kind of backyard that makes it easy to imagine slow mornings with coffee, afternoons in the pool, and evenings outside with friends.
Inside, the home has the perfect mix of style and everyday comfort. The main living areas feature durable LVP flooring, crown molding, and a welcoming open feel. The gourmet kitchen is truly the heart of the home, with stainless steel appliances, a double oven, large island, generous pantry, composite sink, black faucet, and three pendant lights that add a beautiful finishing touch.
The primary suite is designed to feel like your own retreat, complete with carpeted floors and two
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 2
Carport YN: No
Pool Private YN: Yes
Water Body Access YN: No
Stories: 1
Entry Level: 1
List Price/SqFt: 267.88
Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Year Built: 2016
Refrigerator: 1
Tankless Water Heater: 1
Washer: 1
Water Softener Owned: 1
Basketball Court: 1
Clubhouse: 1
Community Pool: 1
Fitness Center: 1
Gated: 1
Management - Part Time: 1
Pickleball: 1
Playground: 1
Maintenance Grounds: 1
Security: 1
Brick Veneer: 1
Fiber Cement: 1
Residential: 1
Single Family: 1
Electric Dryer Hookup: 1
Gas Dryer Hookup: 1
Cul-De-Sac: 1
Sprinklers In Rear: 1
In Ground: 1
Salt Water: 1
24 Hour Security: 1
Carbon Monoxide Detector(s): 1
Gated with Guard: 1
Security Gate: 1
Cable Connected: 1
Electricity Connected: 1
Natural Gas Connected: 1
Sewer Connected: 1
Ceiling Fan(s): 1
His and Hers Closets: 1
Kitchen Island: 1
Open Floorplan: 1
Pantry: 1
Primary Bathroom -Tub with Separate Shower: 1
Smart Thermostat: 1
Split Bedrooms: 1
Street Number: 44
Street Name: CATO
Street Suffix: Court
County: St. Johns
State: FL
Postal Code: 32092
MLS Area Major: 308-World Golf Village Area-SW
Subdivision Name: Windward Ranch
Major Change Timestamp: 2026-08-21T21:54:14Z
Major Change Type: New Listing
Architectural Style: Traditional
Rental Restrictions: 6 Months
Appliances: Dishwasher; Disposal; Double Oven; Dryer; Freezer; Gas Cooktop; Gas Oven; Microwave; Refrigerator; Tankless Water Heater; Washer; Water Softener Owned
Interior Features: Ceiling Fan(s); His and Hers Closets; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom -Tub with Separate Shower; Smart Thermostat; Split Bedrooms; Walk-In Closet(s)
Flooring: Carpet; Luxury Vinyl; Tile
Laundry Features: Electric Dryer Hookup; Gas Dryer Hookup; Washer Hookup
Utilities: Cable Connected; Electricity Connected; Natural Gas Connected; Sewer Connected; Water Connected
Security Features: 24 Hour Security; Carbon Monoxide Detector(s); Gated with Guard; Security Gate; Smoke Detector(s)
Construction Materials: Brick Veneer; Fiber Cement; Frame; Wood Siding
Patio And Porch Features: Patio; Screened
Pool Features: In Ground; Fenced; Heated; Salt Water
Parking Features: Attached; Garage; Garage Door Opener
Lot Features: Cul-De-Sac; Sprinklers In Rear
Fencing: Back Yard; Full; Privacy; Vinyl; Wrought Iron
Current Use: Residential; Single Family
Association Amenities: Basketball Court; Clubhouse; Community Pool; Fitness Center; Gated; Management - Part Time; Pickleball; Playground; Tennis Court(s)
Association Fee Includes: Maintenance Grounds; Security
Community Features: Sidewalks
Road Frontage Type: Private Road
Road Surface Type: Asphalt
Possession: Close Of Escrow
Listing Terms: Cash; Conventional; FHA; VA Loan
walk-in closets. The ensuite bath features a tiled shower, separate soaking tub, dual vanities, and linen closet. Three additional bedrooms provide plenty of flexibility, while bedroom four has its own ensuite bath with a tiled shower/tub combination, making it ideal for guests or a private suite.
A paver driveway, two-car garage, tile entryway, water softener, and Google Nest doorbell system add even more convenience. The roof and HVAC are approximately 10 years old, while the pool was added just one year ago.
And then there is the Windward Ranch lifestyle. This gated St. Augustine community offers residents resort-style amenities including a community pool, fitness center, clubhouse, pickleball and basketball courts, mini golf, playground, walking paths, and more. Located in the desirable 32092 area, you are close to shopping, dining, I-95, St. Johns County schools, and everything that makes St. Augustine such a wonderful place to call home.
If you have been waiting for a home where the pool, the kitchen, the neighborhood, and the floor plan all come together, this one deserves a closer look.
Listing Office: MOMENTUM REALTY
Last Updated: August - 21 - 2026
Information deemed reliable but not guaranteed.
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