This home is in Bartram Ranch, St. Johns.

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Active

Active·130 days on market·Bartram Ranch

135 Sapling Terrace

St. Johns, FL 32259

$1,199,000$268/sqftEst. $6,382/moMLS# 2133743

Beds

Baths

4,474

Sq Ft

2026

Built

Garage

Pool

About this home

Bartram Ranch

Coming Summer 2026, this stunning five-bedroom Delmonico Traditional showcases a soaring two-story great room with fireplace and a dramatic foyer that opens to a private office with double doors. The sunlit primary suite features a tray ceiling, spacious walk-in closet, and spa-like bath with dual vanities, an oversized shower with two seats, and a freestanding oval soaking tub. Upstairs, a generous loft overlooks the great room and leads to secondary bedrooms, each with private baths and walk-in closets. Additional highlights include an elegant covered entry, a first-floor bedroom with private bath, an expansive gourmet kitchen, a spacious dining area, and a covered lanai for outdoor living. Residents enjoy the Trailhouse Amenity Center with clubhouse, pool, fitness center, dog park, tot lot, and multi-purpose fields, all located in desirable St. Johns County with convenient access to Jacksonville shopping, dining, and beaches. Call today to schedule your private tour!

Cost to own

Mortgage calculator

Home Price

$1,199,000

Down Payment: 20%

$239,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$6,056

Principal & Interest: $6,056

Est. Taxes & Insurance: $1,514

Estimated Total Monthly

$7,571

*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$6,382

Property taxesest. at asking price, St. Johns County$1,595

HOAbilled quarterly$201

Estimated total, before insurance$8,178/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	$165,000	$165,000	—
2024	$70,000	$70,000	—

Estimated taxes if purchased at asking price: ~$19,100/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2026)

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

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