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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 home near Bartram Trail High School.

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Sold

Sold·Closed Mar 26, 2025·35 days on market·Recent sales in St. Johns County

120 Bedstone Drive

St. Johns, FL 32259

$390,000sold priceListed at $395,000 · 98.7% of asking$240/sqftMLS# 2065091
3
Beds
2
Baths
1,625
Sq Ft
2008
Built
2
Garage
No
Pool
HOA $60/mo6,534 sqft lotSingle Family Residence1 story

About this home

St. Johns

[Price REDUCED to Sell!] This charming 3 bedroom, 2 bathroom home conveniently located in the desirable Mill Creek Landing neighborhood offers an open floor plan, perfect for entertaining! Located in the great St Johns County school district, with No CDD Fees. Walking in, you will notice the ship lap accent that adds to the already beautiful and spacious family room. Enjoy the functional and attractive kitchen which includes Stainless Steel Fridge, Range & Dishwasher (2022), Granite Countertops with Bar Seating, Raised Panel Cabinetry, lovely Backsplash and an extra large Walk-in Pantry! The floors have also been updated to durable plank flooring. The large Primary Bedroom is beautiful with its tray ceiling and en suite bathroom featuring a double sink vanity, large soaking tub and separate shower. Enjoy the spacious Backyard with an extra large back patio, perfect for relaxing and entertaining. New Roof (2023)!

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$2,160
Property taxesest. at asking price, St. Johns County$519
HOAbilled semi-annually$60
Estimated total, before insurance$2,739/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

$390,000
$78,000
Loan Term
Monthly Payment
$2,160
Principal & Interest: $2,160
Property taxes (est.): $519
Insurance (est.): $260
Estimated Total Monthly
$2,939
*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 — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,597 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$329,064$329,064—
2024$320,225$131,896—
2023$311,020$126,598—
2022$308,761$121,454—
2021$222,877$116,460—
2020$197,224$114,162—

Estimated taxes if purchased at asking price: ~$6,200/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

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 $239/sq ft; this home is listed at $243/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
567 Flach Drive, St. Johns, FL 32259Listed by WATSON REALTY CORPJul 2025$480,000$2394/22,008390.5
113 Kildrummy Court, St. Johns, FL 32259Listed by ALL REAL ESTATE OPTIONS INCMay 2026$425,000$2154/21,97940.8
120 Dalton Mill Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA REALTYSep 2026$540,000$3003/21,801561
64 Mason Branch Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCJun 2026$523,518$2823/21,85901
465 N Bridgestone Avenue, Jacksonville, FL 32259Listed by WATSON REALTY CORPJul 2026$445,000$2174/22,055821.1
544 Grampian Highlands Drive, St. Johns, FL 32259Listed by ASSIST2SELL BUYERS & SELLERS REALTYSep 2026$414,900$2244/21,850381.2

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$395,000
Price / Sq Ft$243
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,625
Acres0.15 acres
Year Built2008
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address120 Bedstone Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionMill Creek Landing
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size6,534 sq ft
Parcel Number0017610470
ZoningResidential

Amenities

AmenitiesPlayground
UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchPatio
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedJanuary 16, 2025
Days on Market35
HOA Fees$360 / Semi-Annually
HOA FrequencySemi-Annually
HOA NameFirst Coast Association Management, Inc.
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: JWB 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 Mar 26, 2025. 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.

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20+ years · 500+ closings · NE Florida

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