This home is in Reserve At Greenbriar, St. Johns.

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Active·14 days on market·Reserve At Greenbriar

63 Winterberry Court

St. Johns, FL 32259

$673,900$211/sqftEst. $3,587/moMLS# 2124458

Beds

Baths

3,197

Sq Ft

2021

Built

Garage

Pool

About this home

Reserve At Greenbriar

Interest rate too high? How about you inquire about this FHA assumable loan at 2.5%! Save money & live in the home you deserve. 63 Winterberry is a striking showcase of modern luxury, space, and smart design, without the extra fees. Enter through elegant French double doors into 3,197 sq ft of beautifully curated living space where style meets comfort. This 4-bedroom, 3.5-bath home features two expansive primary suites with walk-in closets (one up and one down), perfect for multi-generational living or private guest retreats. Upstairs, a spacious loft offers endless possibilities as a media room, lounge, or play space. The main level impresses with an executive office, formal dining room, inviting family room, and separate living area, all enhanced by sleek luxury vinyl plank flooring. Entertain effortlessly with a stylish Butler's pantry, while the garage is equipped with a Tesla charging system for modern convenience. All of this with NO CDD fees.

Cost to own

Mortgage calculator

Home Price

$673,900

Down Payment: 20%

$134,780

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,404

Principal & Interest: $3,404

Est. Taxes & Insurance: $851

Estimated Total Monthly

$4,255

*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$3,587

Property taxesest. at asking price, St. Johns County$897

HOAbilled annually$83

Estimated total, before insurance$4,567/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	$543,285	$359,429	—
2024	$513,851	$348,592	—
2023	$473,469	$336,983	—
2022	$409,954	$325,712	—
2021	$65,000	$44,000	—
2020	$40,000	$40,000	—

2025 property taxes (current owner): $5,336/yr

Estimated taxes if purchased at asking price: ~$10,800/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: material not specified — year not disclosed (home built 2021)

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

Solar potential: ~1,719 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