Community Details at a Glance
The Homes
Product
44 single-family homes on a single gated street; larger plans roughly 2,410 to 4,426 sq ft
Builder
Dream Finders Homes era, built out around 2016, so it trades almost entirely as resale now
Scale
A 44-home gated enclave with no replacement supply, so resale inventory is structurally thin
Status
Established, built-out resale enclave, not a new-construction community
Costs & Fees
HOA
An HOA covers the gate and common areas; confirm the current amount with the HOA or listing agent
CDD
No CDD, a genuine differentiator from the big master plans nearby
Taxes
St. Johns County millage with no CDD assessment layered on top; confirm the bill for a specific home
Amenities
Gated
A gated, 44-home enclave that stays quiet
Golf nearby
South Hampton Golf Club and Cimarrone Golf Club are both close by
Setting
A small enclave with a pond and green space, no large resort amenity campus to fund
Schools
Top-rated St. Johns County public schools; confirm exact zoning by address
Location
Area
NW St. Johns County near the CR 210 corridor, ZIP 32259
Shopping
Shopping and dining along CR 210 and at Durbin Park close by
Access
Minutes to CR 210 and I-95 for the Jacksonville and St. Augustine commute
The Homes & Style
Stone Creek is a small, gated enclave of just 44 single-family homes in northwest St. Johns County. It was built out around 2016, so in 2026 you are almost always shopping resale, not new construction.
The homes are larger Dream Finders-era product, with plans running roughly 2,410 to 4,426 square feet, so this is a move-up and right-size address rather than an entry point. With only 44 homes on a single gated street, two listings a year apart can be the entire visible market.
Because the enclave is built out, the practical question is not which builder is selling but which home, lot, and condition fit. Price a specific home off the closest comparable sales, and read the condition and updates closely.
The differentiator here is structural: a small gated enclave with no CDD and larger homes, in a corner of the county dominated by big CDD master plans. That scarcity is part of the value.
Living Here
Stone Creek keeps it simple. There is no resort amenity campus to fund and no CDD bond on the tax bill; the appeal is a quiet, gated, 44-home street with a pond and green space, close to golf and the CR 210 conveniences.
Two golf clubs sit nearby, South Hampton Golf Club and Cimarrone Golf Club, for residents who want the game without living on a fairway. Everyday shopping and dining are along the CR 210 corridor and at Durbin Park, with I-95 a short drive for the Jacksonville and St. Augustine commute.
The community is zoned to the top-rated St. Johns County schools, the single biggest demand driver in this part of the county. Because the district adjusts boundaries as it opens new schools, confirm the exact zoning for a specific address before you offer.
The honest read on living here is that you trade a big shared amenity machine for low carrying cost, privacy, and scarcity. If you want resort pools and a clubhouse, the master plans nearby are the better fit; if you want a small gated street with no CDD, this is the rare option.
Before You Offer
St. Johns County flooding concentrates near the Intracoastal, the coast, and the creeks and marshes, while many inland communities sit in lower-risk zones. Pull the FEMA flood designation for the exact Stone Creek address before you write an offer, since two homes in the same area can fall in different zones, and get a bindable flood and homeowners quote during your inspection period so the cost is in your monthly math before you commit.
St. Johns County is well served by AT&T (fiber in most newer communities) and Xfinity (Comcast), though fiber availability still varies by street. If working from home matters, confirm the options, and fiber in particular, at the specific Stone Creek address rather than assuming.
Stone Creek's headline advantage is no CDD, so the all-in carrying cost is the St. Johns County millage plus the HOA dues, without a separate CDD assessment. Confirm the current HOA amount with the HOA or listing agent, and remember the Florida homestead exemption for 2026, with a March 1 filing deadline for a new exemption.
The trap to plan for is the post-sale tax reset: when you buy, the prior owner's Save Our Homes cap ends and the assessed value resets to the new just value, so your second-year tax bill is often higher than the seller's. Budget the true number, and confirm the HOA dues and rules in writing before you commit.
Stone Creek vs. Comparable St. Johns Communities
The honest way to place Stone Creek is against the other gated, golf-adjacent communities in northwest St. Johns. Cimarrone Golf and Country Club is the closest peer in character, gated and built around its own 18-hole course, but it is a much larger community of roughly 750 homes built in the 1990s and 2000s, so it offers far more inventory and an on-site golf lifestyle while Stone Creek offers newer, larger homes, no CDD, and a 44-home scale. South Hampton is the other golf neighbor, also large and golf-anchored.
Against the big CDD master plans nearby, Aberdeen, Durbin Crossing, and SilverLeaf, Stone Creek trades the resort amenity campus and the deep, liquid resale market for privacy, no CDD assessment, and scarcity. The trade-offs are real: a 44-home enclave is thinly traded, so you may wait for the right listing, and there is no shared pool or clubhouse. For a buyer who wants a small gated street with larger homes and no CDD in a top school zone, Stone Creek is a rare and specific fit.
Who Stone Creek Fits Best
Stone Creek fits buyers who want a small, gated, no-CDD enclave with larger homes in a top St. Johns school zone, buyers who value privacy and low carrying cost over a big shared amenity campus, and buyers who like being minutes from two golf clubs without living on a fairway.
Stone Creek is a weaker fit for buyers who want resort-style pools and a clubhouse, those who want a deep, liquid resale market with many homes to choose from, anyone shopping for new construction, or buyers who need the lowest possible price point. For those priorities, the larger master plans and golf communities nearby are a closer match. Because the enclave is so small, the right move is to get on our list early so we can bring you a comparable home the moment it lists.
