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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 Oxford Estates, St. Johns — a gated community home in St. Johns County.

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Sold

Sold·Closed Oct 15, 2025·85 days on market·Recent sales in Oxford Estates·Oxford Estates

287 White Horse Way

St. Johns, FL 32259

$640,000sold priceListed at $650,000 · 98.5% of asking$219/sqftMLS# 2090410
4
Beds
3
Baths
2,918
Sq Ft
2021
Built
3
Garage
No
Pool

6 more homes for sale in Oxford Estates →Search Oxford Estates on the map

HOA $100/mo10,019 sqft lotSingle Family Residence1 story

About this home

Oxford Estates

*Seller is offering a 2-1 Buyer Down to buyers with an accepted offer* *Priced BELOW recent Appraisal* This 4-bedroom, 3-bath home features an open floor plan and a chef's kitchen with quartz countertops, stainless steel appliances, a gas range, and a walk-in pantry. A flex room offers space for an office, gym, or playroom. The primary bedroom has tray ceilings and a spacious bath with a large walk-in shower. A three-car garage provides plenty of storage. Additional features include a tankless water heater, water softener, and elevated upgrades throughout.

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$3,545
Property taxesest. at asking price, St. Johns County$852
HOAbilled annually$100
Estimated total, before insurance$4,497/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$6,312/yr · $526/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$640,000
$128,000
Loan Term
Monthly Payment
$3,545
Principal & Interest: $3,545
Property taxes (est.): $852
Insurance (est.): $427
Estimated Total Monthly
$4,823
*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 2021)

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

Solar potential: ~1,686 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

2024 property taxes (current owner): $6,312/yr

Estimated taxes if purchased at asking price: ~$10,200/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, NEFMLS.

History

Price & status history

  • May 30, 2025Listed$650,000

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 $237/sq ft; this home is listed at $223/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
207 Hertford Bridge Way, St. Johns, FL 32259Listed by REDFIN CORPORATIONAug 2026$805,000$2754/32,93070.1
200 White Horse Way, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNSAug 2026$1,050,000$2835/3.53,70730.1
146 Clarendon Road, St. Johns, FL 32259Listed by ASSIST2SELL FULL SERVICE REALTY LLC.Sep 2026$675,000$2374/32,846420.4
487 S Aberdeenshire Drive, St. Johns, FL 32259Listed by HOVER GIRL PROPERTIESSep 2026$495,000$1445/33,428551.2
483 S Aberdeenshire Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$415,000$1814/32,2882191.2
35 Spey Bay Court, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$540,000$2174/42,489361.5

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$650,000
Price / Sq Ft$223
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,918
Acres0.23 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman, Ranch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

School Information

Community Information

Address287 White Horse Way, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionOxford Estates
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size10,018.8 sq ft
Parcel Number0023961350
ZoningSingle Family

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Gated, Jogging Path, Park, Playground
Community FeaturesSidewalks, Gated
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, On Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundrySink
SecuritySecurity Gate

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Porch
FencingBack Yard
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt

Additional Information

Date ListedMay 30, 2025
Days on Market85
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
HOA NameOxford Estates
HOA Fee IncludesMaintenance Grounds, Security
Tax Amount$6,312.43
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER 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.

The neighborhood

About Oxford Estates

Oxford Estates is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Oxford Estates homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 15, 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.

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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