Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Grand Creek North, St. Johns — a home near Bartram Trail High School.

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Pending

Pending·173 days on market·Grand Creek North

32 Ren Way

St. Johns, FL 32259

$440,000$217/sqftEst. $2,243/moMLS# 2129104

Beds

Baths

2,027

Sq Ft

2022

Built

Garage

Pool

About this home

Grand Creek North

Beautifully appointed 4 bedroom, 3 bath home in a natural gas community with solar panels and no CDD fee! Thoughtful design and lovely finishes shine throughout, featuring designer lighting, wood-look tile flooring in all main living areas and luxury vinyl plank in the bedrooms. The open kitchen and baths are finished with quartz countertops throughout, creating a clean, timeless aesthetic. The spacious primary suite offers his-and-her walk-in closets with custom built-ins, while painted interior doors add an elevated, cohesive touch. Enjoy Florida living year-round on the screened-in lanai, perfect for relaxing or entertaining. Community amenities include a pool and playground, and the location provides easy access to top A-rated schools, dining, shopping, and major highways. This move in ready home combines comfort, style, and convenience in one exceptional package.

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,243

Principal & Interest: $2,243

Property taxes (est.): $586

Insurance (est.): $293

Estimated Total Monthly

$3,122

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,243

Property taxesest. at asking price, St. Johns County$585

HOAbilled semi-annually$98

Estimated total, before insurance$2,927/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,841/yr · $403/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

Last sold: $387,600 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$373,906	$322,626	—
2024	$369,190	$312,826	—
2023	$352,258	$302,258	—
2022	$78,400	$78,400	—

2025 property taxes (current owner): $4,841/yr

Estimated taxes if purchased at asking price: ~$7,000/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 2022)

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

Solar potential: ~1,734 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

As of July 2026, 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.

History

Price & status history

Jul 22, 2026Pending$440,000
Feb 7, 2026Listed$440,000

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

Features

Price$440,000

Price / Sq Ft$217

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,027

Acres0.15 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address32 Ren Way, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionGrand Creek North

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,534 sq ft

Parcel Number0100811020

Amenities

AmenitiesPool, Playground

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

Water SourcePublic

ParkingAttached

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Vinyl

# of Stories1

LaundryIn Unit