This home is in Lakes At Mill Creek, St. Johns.

1 / 28

Active

Active·162 days on market·Lakes At Mill Creek

665 Flach Drive

St. Johns, FL 32259

$533,900$248/sqftEst. $2,842/moMLS# 2128322

Beds

Baths

2,149

Sq Ft

2021

Built

Garage

Pool

About this home

Lakes At Mill Creek

Welcome Home to your upgraded, move-in ready lake front home with designer finishes throughout. The interior showcases white cabinetry, a gray tile backsplash, quartz countertops, custom barn doors in the flex space, stainless-steel appliances, and two electric fireplaces. Both bathrooms feature upgraded tile and stylish shiplap accents. There is no carpet! durable LVP flooring runs throughout the entire home, including closets. Outside, enjoy an extended screened-in patio with gas hookup, irrigation well, concrete edging, soffit plug, and a water softener. CAN'T FORGET THE SOLAR PANELS, Keeping the electric bill at $99 a month- year round! This beautifully customized waterfront home is truly a must-see.

Cost to own

Mortgage calculator

Home Price

$533,900

Down Payment: 20%

$106,780

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,697

Principal & Interest: $2,697

Est. Taxes & Insurance: $674

Estimated Total Monthly

$3,371

*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$2,842

Property taxesest. at asking price, St. Johns County$710

HOAbilled annually$50

Estimated total, before insurance$3,602/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	$412,814	$279,157	—
2024	$404,672	$270,582	—
2023	$394,507	$261,245	—
2022	$329,491	$252,180	—
2021	$80,000	$80,000	—
2020	$66,000	$66,000	—

2025 property taxes (current owner): $4,255/yr

Estimated taxes if purchased at asking price: ~$8,500/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.

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 2021)

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

Solar potential: ~1,751 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

Feb 3, 2026Listed$533,900

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

Features

Price$533,900

Price / Sq Ft$248

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,149

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryHickory Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address665 Flach Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionLakes At Mill Creek

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0017811690

ZoningResidential

Amenities

AmenitiesJogging Path, Maintenance Grounds, Management - Off Site, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewLake, Water

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Gas Range, Ice Maker, Microwave, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringVinyl

FireplaceYes

# of Fireplaces2

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup