This home is in Julington Creek, Jacksonville.

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Active Under Contract

Active Under Contract·142 days on market·Julington Creek

148 Afton Lane

Jacksonville, FL 32259

$394,500$250/sqftEst. $2,100/moMLS# 2131764

Beds

Baths

1,580

Sq Ft

1999

Built

Garage

Pool

About this home

Julington Creek

Move-in ready family home nestled in Julington Creek Plantation, just a short walk from highly-rated schools, convenient shopping centers, and the desirable amenity center. The inviting brick-tiled front porch leads to a beautiful glass door entry, welcoming you into the home. Upon entering, you'll find wood-look tile flooring throughout the family and dining areas, creating a warm and inviting atmosphere. The recently renovated kitchen features sleek quartz countertops and opens seamlessly to the main living space, complete with a breakfast bar, pantry, and a separate eating area, perfect for family meals and gatherings. Abundant natural light floods the family room, unless you choose to close the plantation shutters, which also features a new electric fireplace and glass sliders that lead to the screened back patio and a fenced-in rear yard, providing a perfect space for relaxation and entertainment. The large primary bedroom offers its own luxurious features, including an electric

Cost to own

Mortgage calculator

Home Price

$394,500

Down Payment: 20%

$78,900

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,005

Principal & Interest: $2,005

Est. Taxes & Insurance: $501

Estimated Total Monthly

$2,506

*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 · 7.0% · 30yr$2,100

Property taxesest. at asking price, St. Johns County$525

HOAbilled annually$48

Estimated total, before insurance$2,673/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	$309,130	$116,336	—
2024	$304,396	$112,350	—
2023	$296,918	$107,621	—
2022	$290,757	$103,030	—
2021	$217,964	$98,573	—
2020	$205,923	$96,522	—

2025 property taxes (current owner): $3,548/yr

Estimated taxes if purchased at asking price: ~$6,300/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 E

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

Roof: Shingle — year not disclosed (home built 1999)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,632 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 24, 2026Listed$394,500

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

Features

Price$394,500

Price / Sq Ft$250

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,580

Acres0.13 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryJulington Creek

HighCreekside

Community Information

Address148 Afton Lane, Jacksonville, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CityJacksonville

CountySt. Johns

StateFL

Zip Code32259

Lot Size5,662.8 sq ft

Parcel Number2494401240

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Maintenance Grounds, Park, Playground

UtilitiesCable Available, Electricity Available, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

FireplaceYes

# of Fireplaces2

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup