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

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Active

Active·153 days on market·Lakes At Mill Creek

855 Flach Drive

St. Johns, FL 32259

$575,000$243/sqftEst. $3,060/moMLS# 2129863

Beds

Baths

2,369

Sq Ft

2021

Built

Garage

Pool

About this home

Lakes At Mill Creek

Seller is offering $5K closing cost credit to buyer with an accepted offer! Welcome to this stunning lakefront home! Tile plank flooring throughout, no carpet! Private guest suite and desirable split-bedroom layout. Designer kitchen features extended counters, added cabinetry, 42'' white cabinets with crown molding, stainless appliances, 5-burner gas range, and spacious walk-in pantry. Crown molding in main living areas. Owner's retreat features a double-door entry, dual vanities, oversized custom shower w/ bench, & expansive walk-in closet. Direct laundry access with sink, cabinetry, and upgraded LG washer/dryer included. Enjoy outdoor living wi/ this screened & paved lanai w/ summer kitchen & extended paver patio overlooking a fenced yard and pond views. Cement lap siding, vinyl eaves/gutters, paver driveway. Stone accents in front. 3-car garage w/ overhead storage racks. Third bay is enclosed w/ a wall A/C unit. It can be converted back to a car bay. Water softener included. No CDD

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,904

Principal & Interest: $2,904

Est. Taxes & Insurance: $726

Estimated Total Monthly

$3,631

*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$3,060

Property taxesest. at asking price, St. Johns County$765

HOAbilled annually$50

Estimated total, before insurance$3,876/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

Last sold: $585,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$483,858	$483,858	—
2024	$472,876	$472,876	—
2023	$459,626	$223,692	—
2022	$382,040	$215,720	—
2021	$80,000	$80,000	—
2020	$66,000	$66,000	—

2025 property taxes (current owner): $6,851/yr

Estimated taxes if purchased at asking price: ~$9,200/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.

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: ~1,674 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 12, 2026Listed$575,000

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

Features

Price$575,000

Price / Sq Ft$243

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,369

Acres0.23 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryHickory Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address855 Flach Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionLakes At Mill Creek

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,018.8 sq ft

Parcel Number0017811590

Amenities

AmenitiesJogging Path, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

SecuritySmoke Detector(s)