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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Johns — a new construction home in St. Johns County.

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Sold

Sold·Closed Dec 9, 2024·70 days on market·Recent sales in St. Johns County

174 Zephyr Drive

St. Johns, FL 32259

$525,000sold priceListed at $534,990 · 98.1% of asking$251/sqftMLS# 2045043
3
Beds
2.5
Baths
2,091
Sq Ft
2024
Built
2
Garage
No
Pool
HOA $100/moSingle Family Residence2 storiesNew construction

About this home

St. Johns

This charming two-story foyer seamlessly flows into the bright, open concept great room and casual dining area, complete with desirable access to the outdoor covered lanai. Enhancing the expertly crafted kitchen is plenty of counter and cabinet space as well as a large center island with breakfast bar and sizable pantry. Off the kitchen is a home office with access to a convenient powder room and everyday entry. Upstairs you will find an oversized, exquisite primary bedroom suite, complemented by a generous walk-in closet and spa-like primary bath featuring a large luxe shower with stunning floor-to-ceiling tile, dual-sink vanity, additional linen storage, and private water closet. Adjacent to a spacious loft, secondary bedrooms offer roomy closets and a shared hall bath with a dual-sink vanity.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,908
Property taxesest. at asking price, St. Johns County$699
HOAbilled annually$100
Estimated total, before insurance$3,707/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$525,000
$105,000
Loan Term
Monthly Payment
$2,908
Principal & Interest: $2,908
Property taxes (est.): $699
Insurance (est.): $350
Estimated Total Monthly
$3,957
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,622 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

  • Feb 1, 2025Listed$534,990

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $272/sq ft; this home is listed at $256/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
47 Noble Oak Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCSep 2026$794,000$3423/2.52,3241810.1
704 Kendall Crossing Drive, St. Johns, FL 32259Listed by EAGLES WORLD REALTY, INCAug 2026$525,000$2273/2.52,316160.1
94 Slip Cove, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCOct 2026$679,000$2924/32,324370.4
391 Sternwheel Drive, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$457,000$2533/21,8051030.4
87 Merchant Avenue, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESAug 2026$512,155$2702/21,90000.4
253 Oakmoss Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCAug 2026$598,538$2723/2.52,20000.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$534,990
Price / Sq Ft$256
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,091
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman, Traditional
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
New ConstructionYes

School Information

Community Information

Address174 Zephyr Drive, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionRivertown Shores
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0007271950
ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, Park, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Gas Range, Microwave
HeatingElectric, Hot Water, Zoned
CoolingCentral Air, Zoned
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink, Upper Level
SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchPatio
FencingBack Yard
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedFebruary 1, 2025
Days on Market70
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
HOA Fee IncludesOther
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: JACKSONVILLE TBI REALTY, LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Dec 9, 2024. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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