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This home is in Stillwater, St. Johns.

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Active

Active·160 days on market·Stillwater

365 Stillwater Boulevard

St. Johns, FL 32259

$390,000$257/sqftEst. $1,982/moMLS# 2129378
2
Beds
2
Baths
1,517
Sq Ft
2021
Built
2
Garage
No
Pool

About this home

Stillwater

Welcome home to your dream villa in the 55+ Community of Stillwater. Located on HOLE 3 with a POND VIEW, This 2-bedroom, 2-bath villa includes a dedicated office/flex room and an open-concept layout with crown molding, quartz countertops, wood-look tile flooring, a gas stove, walk-in pantry, and modern finishes throughout. The primary suite features a generous walk-in closet, double vanity, and walk-in shower. You'll love your peaceful pond and golf course views from your the screened lanai. The exterior includes Hardie siding, paver surfaces, and a spacious 2-car garage. Lawn care is included, and homeowners receive a golf membership. This gated 55+ community includes an 18-hole Bobby Weed-designed golf course, Toptracer practice facility, resort-style pool, fitness center, pickleball, tennis, bocce ball, and a clubhouse with dining, bar, and weekly events. Centrally located in St. Johns near shopping, dining, hospitals, and highways.

Cost to own

Mortgage calculator

$390,000
$78,000
Loan Term
Monthly Payment
$1,982
Principal & Interest: $1,982
Est. Taxes & Insurance: $496
Estimated Total Monthly
$2,478
*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,982
Property taxesest. at asking price, St. Johns County$519
HOAbilled monthly$711
Estimated total, before insurance$3,212/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

YearMarket valueTaxable valueChange
2025$331,183$331,183—
2024$363,100$363,100—
2023$362,481$362,481—
2022$346,845$346,845—

2025 property taxes (current owner): $7,346/yr

Estimated taxes if purchased at asking price: ~$6,200/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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

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: ~1,739 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

  • Feb 9, 2026Listed$390,000

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

Features

Price$390,000
Price / Sq Ft$257
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,517
Acres0.12 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StyleVilla
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
55+ CommunityYes

Community Information

Address365 Stillwater Boulevard, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionStillwater
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size5,227.2 sq ft
Parcel Number0098620620
ZoningResidential

Amenities

AmenitiesPool, Other, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Maintenance Structure, Pickleball, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage
ViewGolf Course, Pond

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Oven, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit
SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)

Exterior

Patio / PorchCovered, Porch, Screened, Side Porch
RoofShingle

Additional Information

Date ListedFebruary 10, 2026
Days on Market153
HOA Fees$711 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Maintenance Structure
Tax Amount$7,345.76
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

The neighborhood

About Stillwater

Stillwater is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Stillwater homes for sale →

Listing Courtesy of: HERRON REAL ESTATE LLC

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

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Your Local Expert

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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