Listing data updated September 12, 2026 · refreshed twice daily
2Bedrooms
2.5Bathrooms
1,222Sq Ft
2003Year Built
$180Per Sq Ft
1-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
4% below
$/sq ft vs community
$180 here vs $187 median sold (12 mo)
Buyer leverage
Strong seller market
1.5-month supply
1.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 403 SOUTHERN BRANCH Lane in Southern Creek, St. Johns is listed at $220,000 (1,222 sq ft, about $180 per sq ft). That sits within a few percent of Southern Creek's median closed sale of $243,000 over the last 12 months (9 recorded sales). It came to market within the past week. Listing facts: built in 2003, HOA dues of $48/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2003 · 23 yrs
1,222 sq ft of living area
1-car garage
Listed at $220,000 — recent neighborhood median sale price ~$243,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $48/mo (per listing)
School district: Amenities Own pool and playground plus the HOA Neighborhood HOA plus JCP CDD County St. Johns County Florida Schools St. Johns County SchoolsCommunity built 2003–2024Vino's Pizza and Italian Cuisine · 3 min driveJulington Station · 3 min driveWalmart Neighborhood Market · 4 min drive
Momentum Research · Southern Creek
Pricing & the Southern Creek market
How this home is priced against recent nearby sales, and where Southern Creek has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Southern Creek
Each dot is a closed sale since 2004 (465 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $180/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 10 (cold).
Property timeline
This home’s history
2003BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$1,442/mo
Principal & interest $1,143/mo79%
Taxes $158/mo11%
Insurance $93/mo6%
HOA $48/mo3%
$1,442/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current St. Johns County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $2,550/yr ($212/mo)
-$250 more each year
(--10%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
65/100
Strongest on: Market timing (90), Market liquidity (72)
0 limited50100 exceptional
65/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area59
This home $180/sq ft vs the community 12-month median $187/sq ft.
Affordability66
List price $220,000 vs the community median $243,000. Not a measure of personal affordability.
Market liquidity72
Community median 47 days on market, ~1.5 months of supply (12-month record).
Renovation upside46
From a 2003 build and $180/sq ft vs the community median $187/sq ft. Not a condition assessment.
Pricing power59
Recent sales closed at about 96.3% of original asking (~3.7% below). More room below asking generally favors buyers.
Market timing90
Momentum Market Heat is 10/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $180 per square foot, about 4% below the community’s $187 median. Southern Creek’s 12-month median sold price per square foot is $187. Median sold price per square foot is down 4.7% year over year. Confidence: Medium · 9 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Southern Creek sales closed near 96.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Southern Creek, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to 403 Southern Branch Lane, a beautifully refreshed townhome in the gated Southern Creek community of Julington Creek Plantation. The interior has been recently repainted, and updated flooring was installed in 2023, creating a fresh, move-in-ready feel. The roof on this unit was replaced in 2022, offering added peace of mind.
Residents enjoy a community pool within Southern Creek, along with access to Julington Creek Plantation's impressive resort-style amenities, including multiple pools, fitness facilities, sports courts, playgrounds and more. Conveniently located near highly rated St. Johns County schools, shopping, dining and major roadways, this townhome offers low-maintenance living in one of Northwest St.
Johns County's most desirable communities.
Description provided by ROUND TABLE REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$220,000
Bed / bath2 / 2.5
Living area1,222 sq ft
Year built2003
Property typeTownhouse
Garage1-car
MLS #2164589
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountySt. Johns
Area listings1 active · 1 under contract
Estimated first-year tax~$1,892/yr
CDD assessmentNone on record
HOA (per listing)$48/mo
Calculated estimates
Price per sq ft$180
Estimated monthly payment$1,442
Insurance (illustrative)$1k–$2k/yr
Messtimate range$219,960 – $237,068
Comparable-sales median$243,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$219,960the mess$237,068
Actual list price: $220,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 8% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $48/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
2 active listings competing
≈1.5 months of supply
9 closed here in the last 12 months
For reference, this home is listed at $220,000 ($180/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,222 sq ft × $180–$194/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near Southern Creek
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $220,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$1,892/yr
A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$48/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by ROUND TABLE REALTY · MLS # 2164589
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Market data · public records
Recent sales activity in Southern Creek
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Southern Creek neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$243,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$187
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Southern Creek
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
CR 210 widening westbound lanes set to reopen in St. Johns County
News4Jax reported that all westbound lanes of the County Road 210 widening project in St. Johns County were expected to reopen by the end of Friday, July 31, 2026, ahead of the August 10 school year start. The county said it is managing 44 active road projects totaling $183.1 million this year.
Why it matters: Expands roadway capacity on a major county corridor, improving traffic flow and supporting continued growth along the CR 210 area. The project is about 9 miles east of Southern Creek, elsewhere in St. Johns County.
Publix opens and more retailers coming to Marketplace at Nocatee
An official Nocatee business update reported that a Publix supermarket with a pharmacy drive-thru and adjacent Publix Liquors has opened at Marketplace at Nocatee. Additional announced tenants include SoFresh in late summer 2026, a Gate gas station, BODYBAR Pilates, a nail spa and a wine and spirits shop. The Hub at Nocatee entertainment concept is slated for 2028.
Why it matters: Expands grocery, dining and everyday retail capacity at a growing town center, adding anchor and service tenants that build out the commercial base of the area. The project is about 11 miles east of Southern Creek, elsewhere in St. Johns County.
Six agricultural enclave projects seek to develop 6,500-plus acres in St. Johns County
Jacksonville Today reported that St. Johns County received six proposals totaling more than 6,558 acres for development under a new Florida agricultural enclave law that took effect July 1, 2026. The largest proposal, about 4,462 acres north of Nocatee, comes from the Davis family and the PARC Group. The County Commission scheduled a public hearing on the proposals for August 19, 2026.
Why it matters: Signals a large potential expansion of developable land and future housing and commercial capacity, using a new state process that can convert farmland to residential and commercial use with reduced local review. The project is about 11 miles east of Southern Creek, elsewhere in St. Johns County.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 10 miles southwest of Southern Creek.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Walmart Neighborhood Market 4 min
Dining
Vino's Pizza and Italian Cuisine 3 min
Shopping
Julington Station 3 min
Parks
Julington Creek Plantation Park 4 min
Assigned schools
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Julington CreekAssigned elementary school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fruit CoveAssigned middle school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
CreeksideAssigned high school · St. Johns County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Apr 2026
$232,500
877 SOUTHERN CREEK Drive, St. Johns
2 / 2.5 bd/ba · 1,222 sq ft · $190/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Community 12-month median: $187/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,008 – $1,467/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$463 – −$50At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 403 SOUTHERN BRANCH Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2003 (23 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $48/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,222 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $1,892/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
St. Johns
Groceries, dining, and parks for this city — see the city guide.
realMLS, refreshed twice daily (last: September 12, 2026)
Community market stats
realMLS closed sales, as of September 10, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 403 SOUTHERN BRANCH Lane and when was it built?
Per the listing record, 403 SOUTHERN BRANCH Lane was built in 2003 and has 1,222 sq ft of living area, 2 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 403 SOUTHERN BRANCH Lane in?
403 SOUTHERN BRANCH Lane is in Southern Creek in St. Johns, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Southern Creek from the same MLS data.
Does 403 SOUTHERN BRANCH Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $48 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 403 SOUTHERN BRANCH Lane differ from the current owner's?
The estimate on this page (about $1,892 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 403 SOUTHERN BRANCH Lane in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 403 SOUTHERN BRANCH Lane in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
