This home is in Julington Creek, St. Johns.

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Pending

Pending·139 days on market·Julington Creek

316 Talwood Trace

St. Johns, FL 32259

$594,000$210/sqftEst. $3,162/moMLS# 2132140

Beds

Baths

2,825

Sq Ft

2001

Built

Garage

Yes

Pool

About this home

Julington Creek

2 new AC units and a new roof!!! Welcome to 316 Talwood Trace in the highly desirable Julington Creek Plantationtation community of St. Johns, Florida. This beautifully designed two-story home offers 5 bedrooms, 3 bathrooms, and 2,825 square feet of well-planned living space built in 2001. From the moment you arrive, the home presents a warm and inviting feel, with a smart floor plan that blends comfort, style, and everyday function. Step inside through the entrance foyer and notice the rich tile and hardwood flooring that flows throughout the home. Crown molding adds an elegant touch, while the spacious living room centers around a stunning wood-burning fireplace with a detailed mantle, creating a cozy yet refined focal point. The layout is designed for easy entertaining, guiding you naturally from the living areas into the heart of the home--the kitchen.

Cost to own

Mortgage calculator

Home Price

$594,000

Down Payment: 20%

$118,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,000

Principal & Interest: $3,000

Est. Taxes & Insurance: $750

Estimated Total Monthly

$3,751

*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$3,162

Property taxesest. at asking price, St. Johns County$790

HOAbilled annually$48

Estimated total, before insurance$4,000/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	$529,832	$475,334	—
2024	$486,003	$432,122	—
2023	$462,869	$392,838	—
2022	$429,040	$357,125	—
2021	$324,659	$324,659	—
2020	$324,102	$324,102	—

2025 property taxes (current owner): $8,564/yr

Estimated taxes if purchased at asking price: ~$9,500/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.