This home is in Stillwater, St. Johns.

1 / 42

Active

Active·507 days on market·Stillwater

823 Stillwater Boulevard

St. Johns, FL 32259

$415,000$213/sqftEst. $2,116/moMLS# 2074306

Beds

Baths

1,950

Sq Ft

2022

Built

Garage

Pool

About this home

Stillwater

Welcome to Stillwater, a vibrant active adult golf community! This meticulously maintained 3-bedroom, 2.5-bath features quartz countertops, updated paint and trim work throughout. Relax in the generous primary suite, complete with a custom closet designed for optimal organization. Enjoy the spacious upstairs bonus room, perfect for crafting, hobbies, or an office. With a golf course membership included in your HOA fees, plus access to exceptional amenities and year-round classes, this home offers a lifestyle of leisure and luxury. Furnishings in bedrooms 2, 3, and 4 are available for separate purchase at the buyer's option and are not included in the listed price. Termite bond recently renewed. Don't miss your chance to experience resort-style living every day!

Cost to own

Mortgage calculator

Home Price

$415,000

Down Payment: 20%

$83,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,116

Principal & Interest: $2,116

Property taxes (est.): $552

Insurance (est.): $277

Estimated Total Monthly

$2,945

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$2,116

Property taxesest. at asking price, St. Johns County$552

HOAbilled monthly$661

Estimated total, before insurance$3,329/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,923/yr · $660/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $437,000 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$387,525	$336,803	—
2024	$422,595	$372,595	—
2023	$424,155	$424,155	—
2022	$100,800	$100,800	—

2024 property taxes (current owner): $7,923/yr

Estimated taxes if purchased at asking price: ~$6,600/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.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,547 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

As of July 2026, 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