Single Family Residence in Julington Creek, St. Johns · No CDD · FEMA Zone X
Julington Creek · St. Johns, FL 32259 · St. Johns
Listing data updated July 10, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,312Sq Ft
1989Year Built
$224Per Sq Ft
2-car garageNo CDDFEMA Zone X4 bedrooms
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 1989 · 37 yrs
2,312 sq ft of living area
2-car garage
$224/sq ft — compared with the displayed median of $198 from recent nearby sales
Listed at $519,000 — recent neighborhood median sale price ~$470,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA ~$50/mo (estimate; confirm)
School district: St. Johns County SchoolCommunity built 2003–2022The Fresh Market · 4 min driveNoah's Agape Cafe · 5 min driveTommy Hazouri Sr. Park · 6 min drive
This listing is shown at $519,000, with 4 bedrooms and 3 bathrooms, and 2,312 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms4
Bathrooms3
Living area2,312 sq ft
Year built1989
Property typeSingle Family Residence
Financial
Est. monthly payment$3,399
Est. taxes / yr~$4,463
Est. insurance / yr~$3,248
HOA$50/mo
CDDNone on record
Price / sq ft$224
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~16 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$3,248/yr
Market
Neighborhood median DOM48
Active listings (area)32
Months of supply2.4
Comparable-sales median$470,000
This home0d
Area median48d
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$3,248/yr
Estimated homeowners premium; get a real quote.
Months of supply
2.4 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
57/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$3,399/mo
Principal & interest $2,707/mo80%
Taxes $372/mo11%
Insurance $271/mo8%
HOA $50/mo1%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
54/100
Strongest on: Flood safety (95), Market liquidity (66)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area17
This home $224/sq ft vs area median $198/sq ft from recent nearby sales.
Affordability33
List price $519,000 vs area median $470,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~16 ft elevation. Verify the parcel with FEMA.
Insurance cost61
From FEMA Zone X and a 1989 build. Obtain a property-specific quote.
Market liquidity66
Area median 48 days on market, ~2.4 months of supply.
Investment metrics61
Objective supply and demand metrics for the area - not investment advice.
Renovation upside42
From a 1989 build and $224/sq ft vs area $198/sq ft. Not a condition assessment.
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.
Listing facts & disclosures
$519,000
List price
As listed in the MLS
4 / 3
Bed / bath
Per the listing
2,312
Living area
Sq ft (approx.)
$224
Price / sq ft
List ÷ living area
The home
Year built1989
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$4,463/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~16 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
The Messtimate™
The Messtimate: $402,288 – $513,264
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.
$402,288the mess$513,264
Actual list price: $519,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
32 active listings competing in Julington Creek
32 under contract now
50% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈2.4 months of supply (one market-context metric; should not be used alone)
163 closed here in the last 12 months
For reference, this home is listed at $519,000 ($224/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: 2,312 sq ft × $174–$222/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
Julington Creek market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: live MLS counts.
32Active listings
32Under contract
0New this month
2.4Months of supply
48Median days on market
50%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Property timeline
This home’s history
1989BuiltPer 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.
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$2,379 – $3,460/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,089 – −$116At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$519,000
Bed / bath4 / 3
Living area2,312 sq ft
Year built1989
Property typeSingle Family Residence
MLS #2154655
Listing statusActive
Days on marketNot available on this page
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~16 ft
CountySt. Johns
Estimated first-year tax~$4,463/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$224
Estimated monthly payment$3,399
Estimated insurance~$3,248/yr
Messtimate rangeNot available on this page
Comparable-sales median$470,000
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
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$3,399
Principal & interest$2,707
Property tax$372
Insurance$271
CDD assessment$0
HOA$50
PMI$0
Down payment $103,800 · Loan $415,200. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$4,463/yr
The seller likely pays less due to the homestead cap. At a $519,000 purchase, expect your first full-year St. Johns bill near $4,463 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$3,248/yr
Estimate for a 1989 build in St. Johns. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/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
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~16 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Julington 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 Julington Creek neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Median sale price (set)
$470,000
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$198
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$224
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Julington 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.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
The Fresh Market 4 min
Dining
Julington Creek Fish House and Oyster Company 7 min
Shopping
Shops of Bartram Walk 7 min
Parks
Tommy Hazouri Sr. Park 6 min
In the area
Recent Julington Creek Plantation news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Parks Amenities
Julington Creek Plantation completes Tide Club aquatics campus
Julington Creek Plantation marked the completion of its rebuilt Tide Club aquatics campus, with a ribbon cutting held May 22 attended by the community's Board of Governors, members of the design and construction teams, and residents. The campus was planned around multiple pools and a two-story clubhouse intended to support a range of social, athletic, and recreational uses, and it forms a central piece of the community's multimillion dollar amenity reinvestment.
Why it matters: Bringing a fully rebuilt aquatics campus online could keep this established community's amenity package competitive with newer master plans, and completed reinvestment at this scale has historically supported steady resale interest. Owners may also watch how the program factors into future assessment levels.
Tide Club aquatics complex in final inspections ahead of opening
General manager notes from the Julington Creek Plantation CDD's March 24, 2026 board meeting reported that the new Tide Club aquatics facility was down to its final Health Department and Building Department sign-offs, with pre-opening food and beverage programming already in motion. The complex includes three pools, a slide tower, a two-story clubhouse, and the poolside Julington Bar + Grill, with expanded catering capability anticipated by summer 2026.
Why it matters: Delivery of a fully rebuilt aquatics campus could refresh the amenity package of this established community, and reinvestment at this scale has historically helped mature master-planned neighborhoods stay competitive with newer builds.
Saucy by KFC permitted to convert closed Julington Creek PDQ
KFC Corp's chicken tender concept Saucy was issued a build-out permit on December 29, 2025 for the shuttered PDQ at 194 Florida 13 N. The roughly 4,550 square foot conversion carries a permitted project cost of about $375,000 and is part of a broader conversion of multiple Florida PDQ locations.
Why it matters: Rapid backfilling of a vacated restaurant pad suggests national operators continue to view the SR 13 corridor's household density as durable, which may help keep commercial vacancy along the corridor limited.
Pecan Craft Kitchen sets December 20 opening on SR 13
Pecan Craft Kitchen, a farm-to-fire fast casual concept built around a pecan-fired grill, announced a December 20, 2025 opening at 138 Florida 13, just north of Race Track Road. The 120-seat restaurant with a covered patio is led by operators who run more than 50 Moe's Southwest Grill locations across several states.
Why it matters: Experienced multi-unit restaurateurs choosing Julington Creek to debut a new concept may signal confidence in the trade area's dining spend, which historically supports surrounding retail rents.
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.
Julington Creek Elementary SchoolPreK-5 · St. Johns County School District
Fruit Cove Middle School6-8 · St. Johns County School District
Creekside High School9-12 · St. Johns County School District
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 Jul 2026
$470,000
893 BLACKBERRY Lane, St. Johns
4 / 3 bd/ba · 2,368 sq ft · $198/sq ft
Courtesy of SEFAIR INVESTMENTS, INC. · View details →
Median of the set: $198/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.
Keep looking
Similar homes for sale near Julington 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.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
Welcome home to this custom-designed 4-BR, 3-BA single-story home nestled at the end of a quiet, tree-lined cul-de-sac. Boasting 2,312 sq. ft. of open-concept living, this bright, flexible layout features high ceilings, fresh paint inside and out, and abundant natural light.
The highly desirable layout provides maximum flexibility, offering plenty of room for a growing family, a dedicated home office, or effortless entertaining.Designed to maximize the serene outdoor views, the home features four sliding glass doors perfectly positioned throughout the layout--including the main living area, the kitchen, and two of the bedrooms--allowing easy access to your private wooded backyard backdrop and a luscious lawn backing up to a peaceful wooded preserve--no rear neighbors!
Value-added perks include mature fruit trees, an irrigation well, pocket doors, NO CDD fees, and low HOA costs. Enjoy St. Johns County's top-rated schools, parks, and libraries. Owner is a licensed FL real estate agent.
Description provided by OCEAN KULTURE REALTY LLC and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms3
Living area2,312 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built1989
Age37 yrs
Listing
MLS #2154655
StatusActive
Days on market0
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.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $519,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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 713 CHESSWOOD Court in person
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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.
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.
