This home is in St. Johns — a waterfront home in St. Johns County.
Active·144 days on market
1120 Celebration Court
St. Johns, FL 32259
About this home
St. Johns
Seller has created a turnkey retreat defined by thoughtful design and elevated finishes throughout. Every part of the main house had been remodeled. Main house has 5 bedrooms, 3 full baths and two half baths. Detached guest house two bedrooms and 1.5 baths with one car garage. The main residence showcases a designer kitchen with two subzero refrigerators, three ovens, steam and convection, complemented with butlers pantry commercial espresso, two wine coolers. Spa-inspired baths, rich hardwood flooring (White Oak), new windows, hurricane shutters and extensive custom lighting, with exquisite designer fixtures. Two fireplaces--one gas and one electric--provide warmth and ambiance for both intimate evenings and grand entertaining. Whole house generator. Ten trees were removed from property to open up back yard. A drainage system keeps your home safe when there is heavy rain. Fully equipped for RV parking and hookup to get ready for next trip.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: $1,220,000 in April 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,009,017 | $958,295 | — |
| 2024 | $1,091,258 | $445,684 | — |
| 2023 | $1,075,407 | $431,101 | — |
| 2022 | $968,731 | $421,943 | — |
| 2021 | $772,638 | $408,197 | — |
| 2020 | $707,844 | $401,871 | — |
2025 property taxes (current owner): $13,736/yr
Estimated taxes if purchased at asking price: ~$51,100/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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1989)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,234 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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
- Mar 11, 2026Listed$3,200,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines