The Reef
Homes for Sale in St. Johns, FL
All 391 homes for sale in St. Johns, FL · median $560,000 · 336 homes for sale in 32259 · St. Johns County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of COASTAL REALTY OF NE FLORIDA, LLC · via realMLS
As of October 2026, the MLS records 67 closed sales in The Reef in St. Johns, FL since 2018, the most recent in August 2026. Recorded prices since 2024 ran from $470,000 to $530,000 (median $484,000), on homes of 1,943 to 2,297 sq ft. Across St. Johns as a whole, 1,261 homes closed in the last 12 months at a median of $505,000, 49 median days on market, with 318 homes for sale today. At that median and St. Johns County's FY2025-26 rate of 13.47 mills, annual property tax runs about $6,520 ($6,000 with the full homestead exemption).
The Reef sits in St. Johns County, and with only a single closing in the current window, there isn't enough recent transaction volume to draw hard conclusions about pricing trends. What that means in practice: the last sale is a data point, not a pattern. Condition, lot, and finish level are doing most of the work in setting value here, and a buyer or seller should treat any single comp as a starting question rather than a settled answer.
For a seller, thin recent activity cuts both ways — a well-presented home can stand out, but you won't have a deep stack of comparable closings to anchor an aggressive number. For a buyer, the same thinness means you're negotiating more on the merits of the specific house than on a clear market rate. Patience and a close read of each listing matter more than usual.
Nearby homes for sale
No active listings inside The Reef right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
The Reef is a St. Johns County community where recent closing activity has been light, so pricing is currently driven more by individual home condition than by a busy market cadence.
realMLS (Northeast Florida) sales records identify 53 homes in The Reef that have changed hands since 2018, built between 2018 and 2022 (median 2019), with a median living area of about 2,088 sq ft and a typical 3-bedroom, 2.5-bath layout; 98% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 24 qualified sales in The Reef across 2024–2025 (12 in 2024, 12 in 2025), median $480,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of The Reef. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
The Reef
The Reef
The Reef
The Reef
The Reef
The ReefPhotos from realMLS listings in The Reef; content deemed reliable but not guaranteed.
Who The Reef is best for.
Best for
- Buyers who want to negotiate on a home's specific condition and merits rather than a rigid market price
- Sellers prepared to invest in presentation so their home stands out in a low-activity window
- Buyers with patience who are comfortable doing a careful property-by-property analysis
Probably not for
- Buyers who need a deep set of recent comparable sales to feel confident on price
- Sellers expecting a fast, high-volume market to push an aggressive number
- Anyone wanting a clearly established, predictable price band before making an offer
The market around The Reef
The Reef is too small for its own price trend, so here is the market around it.
In ZIP 32259, 555 homes are on the market and 34% are under contract — a fast-moving corner of St. Johns.
Across St. Johns County, 1,952 homes are active and 794 pending (29% under contract).
In ZIP 32259 (St. Johns), 2,441 homes closed in the last 12 months at a median of $498K ($224/sq ft), down 2.5% year over year, with a median 46 days on market. Right now 514 active and 267 pending listings put supply at about 6.6 months — a balanced market. See the live ZIP 32259 housing market and the St. Johns County market.
ZIP and county figures describe the wider market, not The Reef specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in The Reef, St. Johns
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Life at The Reef
- Clubhouse · reported on 2 of 2 listings
- Dog Park · reported on 2 of 2 listings
- Fitness Center · reported on 2 of 2 listings
- Playground · reported on 2 of 2 listings
- Tennis Court(s) · reported on 2 of 2 listings
- Water · reported on 2 of 2 listings
- Pickleball · reported on 2 of 2 listings
- Management - On Site · reported on 1 of 2 listings
- Pool · reported on 1 of 2 listings
- Restaurant · reported on 1 of 2 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
The The Reef buying strategy.
If we were buying in The Reef today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in The Reef.
Reading a thin market
With just one closing in the window we're working from, the honest position is that The Reef doesn't yet give us a statistically confident price story. Rather than manufacture a trend, treat each home on its own terms: layout, updates, lot position, and how it shows against whatever is actively listed at the time you're looking.
This is a place where doing the work pays off. Because there isn't a wall of recent comps to lean on, the right move is a disciplined, property-by-property analysis — what the specific home offers, what condition it's in, and how motivated each side is. That analysis is where a real advantage gets built here.
The location and the amenities are priced into every listing in The Reef. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-volume community like The Reef, generic pricing shortcuts don't work. We build the number from the individual home and the live St. Johns County context, not from a thin stack of stale comps — and we'll tell you plainly when the data simply isn't there to support a given price.
The Reef in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $201/month (about $2,412/yr) · median of 38 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $201 per month ($2,412 a year) — the median AssociationFee across 38 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a The Reef buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed The Reef sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in The Reef, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your The Reef home worth?
Get a no-obligation home value based on real comparable sales in The Reef, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in St. Johns →
Recently off market in The Reef
Homes in The Reef that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 262 Killarney Avenue · off market
- 57 Clifton Bay Loop · off market
The real cost & risk here
Before the list price, the Florida math the portals skip. These are St. Johns County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · St. Johns County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Frequently Asked Questions
How many homes are in The Reef?
What share of The Reef is owner-occupied?
When were the homes in The Reef built?
Who is the best real estate agent for The Reef?
How do I find a top St. Johns real estate agent who knows The Reef?
Can Momentum Realty connect me with an agent for The Reef?
Where is The Reef, and what county is it in?
How far is The Reef from downtown Jacksonville and the beach?
Should you buy in The Reef?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32259)) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| Historical depth | Closed-sale records back to 2018 (67 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how The Reef fits the bigger picture — live prices, inventory, and Momentum Scores:
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Clifton Bay Loop (35 homes on record)
- Killarney Avenue (5 homes on record)
- Caribbean Place (3 homes on record)
Nearby Communities
Explore more neighborhoods near The Reef with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for The Reef. These are the public schools most often assigned to other communities in ZIP 32259; zones change and vary by address, so confirm with the district before you buy.
- Bartram Trail High School · 9-12 · FLDOE grade A (assigned to 24 nearby communities)
- Switzerland Point Middle School · 6-8 · FLDOE grade A (assigned to 19 nearby communities)
- Fruit Cove Middle School · 6-8 · FLDOE grade A (assigned to 18 nearby communities)
- Creekside High School · 9-12 · FLDOE grade A (assigned to 16 nearby communities)
- Julington Creek Elementary School · PreK-5 · FLDOE grade A (assigned to 9 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).