44 CATO Court, St. Augustine, FL 32092 (MLS# 2161315)

44 CATO Court, St. Augustine, FL 32092

New Listing

$543,000

Virtual Tour

https://www.zillow.com/view-imx/fe1f0748-ccc8-4ecf-b09a-faeea4c273cc?wl=true&setAttribution=mls&initialViewType=pano

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,624 Lot Size (sq. ft.): 10,019 Status: Active

Current Price: $543,000 List Date: 8/21/2026 Last Modified: 8/22/2026

Overview

Description

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

Supplements: 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, w ... (Read more)

Listing Details MLS# 2161315

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2027
Living Area Source: Appraiser
Building Area Total: 2624
Year Built: 2016
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.23
Association YN: Yes
Association Fee: 433
Association Fee Frequency: Quarterly
Association Name: Windward Ranch HOA c/o TPAM
Association Phone: (904) 295-3921
CDD Fee YN: No
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
Waterfront YN: No
Stories: Yes
Entry Level: Yes
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
List Price/SqFt: 267.88
Bathrooms Half: 0

Property Features

Architectural Style: Traditional Levels: One 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 Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer 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 Roof: Shingle 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

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-08-21

Location Tax and Legal

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

Status Change Information

Major Change Timestamp: 2026-08-21T21:54:14Z
Major Change Type: New Listing

DPR Eligible

DPR Eligible: Yes

More Information

Location, Tax, and Legal

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

Appliances

Dishwasher: Yes
Disposal: Yes
Double Oven: Yes
Dryer: Yes
Freezer: Yes
Gas Cooktop: Yes
Gas Oven: Yes
Microwave: Yes
Refrigerator: Yes
Tankless Water Heater: Yes
Washer: Yes
Water Softener Owned: Yes

Association Amenities

Basketball Court: Yes
Clubhouse: Yes
Community Pool: Yes
Fitness Center: Yes
Gated: Yes
Management - Part Time: Yes
Pickleball: Yes
Playground: Yes
Tennis Court(s): Yes

Association Fee Includes

Maintenance Grounds: Yes
Security: Yes

Construction Materials

Brick Veneer: Yes
Fiber Cement: Yes
Frame: Yes
Wood Siding: Yes

Cooling

Central Air: Yes

Current Use

Residential: Yes
Single Family: Yes

Fencing

Back Yard: Yes
Full: Yes
Privacy: Yes
Vinyl: Yes
Wrought Iron: Yes

Flooring

Carpet: Yes
Luxury Vinyl: Yes
Tile: Yes

Heating

Central: Yes

Laundry Features

Electric Dryer Hookup: Yes
Gas Dryer Hookup: Yes
Washer Hookup: Yes

Levels

One: Yes

Listing Terms

Cash: Yes
Conventional: Yes
FHA: Yes
VA Loan: Yes

Lot Features

Cul-De-Sac: Yes
Sprinklers In Rear: Yes

Parking Features

Attached: Yes
Garage: Yes
Garage Door Opener: Yes

Pool Features

Fenced: Yes
Heated: Yes
In Ground: Yes
Salt Water: Yes

Possession

Close Of Escrow: Yes

Road Frontage Type

Private Road: Yes

Road Surface Type

Asphalt: Yes

Roof

Shingle: Yes

Security Features

24 Hour Security: Yes
Carbon Monoxide Detector(s): Yes
Gated with Guard: Yes
Security Gate: Yes
Smoke Detector(s): Yes

Sewer

Public Sewer: Yes

Utilities

Cable Connected: Yes
Electricity Connected: Yes
Natural Gas Connected: Yes
Sewer Connected: Yes
Water Connected: Yes

Water Source

Public: Yes

Architectural Style

Traditional: Yes

Community Features

Sidewalks: Yes

Patio And Porch Features

Patio: Yes
Screened: Yes

Interior Features

Ceiling Fan(s): Yes
His and Hers Closets: Yes
Kitchen Island: Yes
Open Floorplan: Yes
Pantry: Yes
Primary Bathroom -Tub with Separate Shower: Yes
Smart Thermostat: Yes
Split Bedrooms: Yes
Walk-In Closet(s): Yes

Rental Restrictions

6 Months: Yes

Documents

Contract Procedures ›

Sellers Property Disclosure ›

Flood Disclosure ›

HOA Disclosure ›

Floorplan ›

Windward Ranch HOA Cov & Res ›

Windward Ranch Buyer Flyer ›

Listing Office: MOMENTUM REALTY

Last Updated: August - 22 - 2026

Information deemed reliable but not guaranteed.