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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 Creekside High School.

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Sold

Sold·Closed Jun 23, 2026·170 days on market·Recent sales in St. Johns County

1540 Lemonwood Road

St. Johns, FL 32259

$345,000sold priceListed at $360,000 · 95.8% of asking$237/sqftMLS# 2120339
3
Beds
2
Baths
1,453
Sq Ft
1978
Built
2
Garage
No
Pool
No HOA14,810 sqft lotSingle Family Residence1 story

About this home

St. Johns

Welcome home to this charming and well-kept 3 bedroom, 2 bathroom home on an oversized lot in the heart of St. Johns. From the moment you arrive, you'll appreciate the inviting curb appeal, large front yard, and uniquely elevated clerestory windows that flood the home with natural light. Step inside to a bright, open living space featuring soaring ceilings and a stunning floor-to-ceiling stone fireplace — the cozy statement piece of the home. The kitchen offers stainless steel appliances, painted cabinetry, bar seating, and a functional layout that opens nicely to the main living and dining areas. Enjoy indoor-outdoor living year-round in the expansive screened-in porch overlooking a fully fenced backyard. With mature trees, plenty of green space, and a dedicated fire pit area, this yard is ready for gatherings, pets, play, or simply relaxing in your own private retreat. The spacious bedrooms offer generous storage, and the two bathrooms provide room to personalize if you

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$1,911
Property taxesest. at asking price, St. Johns County$459
Estimated total, before insurance$2,370/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,496/yr · $125/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

$345,000
$69,000
Loan Term
Monthly Payment
$1,911
Principal & Interest: $1,911
Property taxes (est.): $459
Insurance (est.): $230
Estimated Total Monthly
$2,600
*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 1978)

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

Solar potential: ~1,374 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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$278,043$74,306—
2024$287,382$71,504—
2023$286,178$67,965—
2022$251,318$64,529—
2021$178,089$61,193—
2020$167,408$59,658—

2025 property taxes (current owner): $1,496/yr

Estimated taxes if purchased at asking price: ~$5,500/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 $240/sq ft; this home is listed at $248/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1416 Lemonwood Road, St. Johns, FL 32259Listed by HERRON REAL ESTATE LLCApr 2026$295,000$2863/2.51,0304070.1
1417 Satsuma Road, St. Johns, FL 32259Listed by HILL STREET REALTY, INC.May 2026$450,000$2403/21,87530.3
1411 Forest Lane, St. Johns, FL 32259Listed by HOMEPRO REALTY JACKSONVILLE LLCJul 2026$339,400$2153/21,58120.5
1176 Harmony Drive, St. Johns, FL 32259Listed by SMILEEHOUSE AUCTION CO LLCJun 2025$140,000$833/21,680700.6
1590 Pitch Pine Avenue, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$720,000$3993/31,805920.7
649 Hummingbird Court, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS PVJun 2026$399,900$2203/21,82050.9

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$360,000
Price / Sq Ft$248
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,453
Acres0.34 acres
Year Built1978
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address1540 Lemonwood Road, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionFruit Cove
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size14,810.4 sq ft
Parcel Number0090800000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAttached, Garage, Off Street

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Tub with Shower, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesFire Pit
Patio / PorchCovered, Rear Porch, Screened
FencingBack Yard, Full, Wood
RoofShingle
ConstructionFrame, Wood Siding
Road SurfacePaved

Additional Information

Date ListedDecember 4, 2025
Days on Market170
Tax Amount$1,496.12
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 Jun 23, 2026. 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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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