This home is in St. Johns.

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Active

Active·88 days on market

45 Oban Court

St. Johns, FL 32259

$689,000$237/sqftEst. $3,667/moMLS# 2114215

Beds

Baths

2,906

Sq Ft

2017

Built

Garage

Pool

About this home

St. Johns

Discover this stunning former model home tucked in an exclusive cul-de-sac community in St. Johns--where top-rated schools, low HOA, and prime location meet. Step inside to find beautiful tray ceilings, elegant light fixtures, and a bright open layout. The gourmet kitchen features quartz countertops, stainless-steel appliances, a large island, spacious pantry, and cozy breakfast area. The primary suite on the first floor offers dual walk-in closets and a spa-style bath with stone shower, garden tub, and dual vanities. Upstairs you'll find a spacious loft, three bedrooms, and a full bath. Enjoy peaceful sunsets from your covered lanai overlooking a serene treeline. With a 3-car garage, new 2025 water heater, smart dual thermostats, and no CDD fees, this home truly has it all--just minutes from Jacksonville, I-95, SR-13, shopping, and dining.

Cost to own

Mortgage calculator

Home Price

$689,000

Down Payment: 20%

$137,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,480

Principal & Interest: $3,480

Est. Taxes & Insurance: $870

Estimated Total Monthly

$4,350

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,667

Property taxesest. at asking price, St. Johns County$917

HOAbilled annually$85

Estimated total, before insurance$4,669/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$511,565	$0	—
2024	$488,530	$0	—
2023	$523,353	$0	—
2022	$405,246	$0	—
2021	$311,721	$0	—
2020	$314,214	$0	—

2024 property taxes (current owner): $254/yr

Estimated taxes if purchased at asking price: ~$11,000/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 2017)

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

Solar potential: ~1,720 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Apr 17, 2026Listed$689,000

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

Features

Price$689,000

Price / Sq Ft$237

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,906

Acres0.21 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHickory Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address45 Oban Court, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionKendall Creek

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size9,147.6 sq ft

Parcel Number0017520240

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, Windows

ParkingAdditional Parking, Garage

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, In Unit, Sink, Washer Hookup

SecuritySecurity System Owned