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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 pool home in St. Johns County.

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Pending

Pending·232 days on market

418 Triple Crown Lane

St. Johns, FL 32259

$1,975,000$387/sqftEst. $10,258/moMLS# 2126598
4
Beds
4
Baths
5,104
Sq Ft
2004
Built
7
Garage
Yes
Pool

About this home

St. Johns

Experience refined estate living within the highly sought-after Whitelock Farms community where the very best of equestrian convenience, functionality, and lifestyle converge on 5.4 stunning acres in St. Johns county. Set behind dual gated entrances with impressive frontage along Triple Crown Lane, the property features over 5,100 square feet of living space, a heated and screened saltwater pool, 7 garage spaces, and a custom luxury barn designed with needs of both horse and rider in mind.

Cost to own

Mortgage calculator

$1,975,000
$395,000
Loan Term
Monthly Payment
$10,258
Principal & Interest: $10,258
Property taxes (est.): $2,628
Insurance (est.): $1,317
Estimated Total Monthly
$14,203
*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$10,258
Property taxesest. at asking price, St. Johns County$2,628
HOAbilled annually$167
Estimated total, before insurance$13,053/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,125/yr · $1,510/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).

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$1,320,936$1,320,936
2024$1,275,671$673,501
2023$1,186,210$652,428
2022$1,124,467$631,969
2021$837,525$837,525
2020$839,963$839,963

2025 property taxes (current owner): $18,125/yr

Estimated taxes if purchased at asking price: ~$31,500/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.

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 2004)

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

Solar potential: ~1,622 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.

Features

Price$1,975,000
Price / Sq Ft$387
Bedrooms4
Bathrooms4.00
Full Baths3
Half Baths2
Square Footage5,104
Total Structure Area8,092 sq ft
Acres5.40 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusPending
# of Garages7
Has PoolYes
Pool FeaturesIn Ground, Salt Water, Screen Enclosure
Is WaterfrontNo

School Information

Community Information

Address418 Triple Crown Lane, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionWhitelock Farms
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size235,224 sq ft
Parcel Number0100100170
ZoningResidential

Amenities

AmenitiesOther, Maintenance Grounds
UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAttached, Detached, Garage, Gated, Other
ViewPool, Protected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Ice Maker, Microwave
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesDouble Sided, Wood Burning
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Exterior FeaturesOther
Lot DescriptionCleared, Farm, Many Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Patio, Porch, Rear Porch
FencingFenced, Back Yard, Cross Fenced, Full, Wood, Other
RoofShingle
ConstructionBrick, Composition Siding
Other StructuresBarn(s), Stable(s)
Road SurfaceAsphalt

Additional Information

Date ListedJanuary 23, 2026
Days on Market143
HOA Fees$2,000 / Annually
HOA FrequencyAnnually
HOA NameWhitelock
HOA Fee IncludesMaintenance Grounds, Other
Tax Amount$18,125.16
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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