Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Julington Creek, St. Johns — a golf course home in St. Johns County.

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Pending

Pending·172 days on market·Julington Creek

304 S Buck Board Drive

St. Johns, FL 32259

$455,000$229/sqftEst. $2,339/moMLS# 2134253

Beds

Baths

1,990

Sq Ft

1999

Built

Garage

Pool

About this home

Julington Creek

**SELLERS ARE MOTIVATED!!** BRAND NEW LVP, tons of upgrades, come and take another look!! Freshly updated and ready to impress! This beautifully maintained 4-bedroom, 2-bath home in Julington Creek Plantation now features brand-new flooring, giving the home a fresh, modern feel and making it show like a completely different property. If you've toured this home before, it's worth another visit to experience the transformation for yourself! Welcome home to this beautifully updated residence tucked away on a quiet cul-de-sac in the highly sought-after community of Julington Creek Plantation. Located in the top-rated St. Johns County School District-with A-rated schools and within walking distance to Fruit Cove Middle School-this home offers the perfect blend of convenience, comfort, and exceptional community living. Step inside to discover a fantastic floor plan filled with natural light. The beautifully upgraded kitchen is the heart of the home, featuring modern

Cost to own

Mortgage calculator

Home Price

$455,000

Down Payment: 20%

$91,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,339

Principal & Interest: $2,339

Property taxes (est.): $605

Insurance (est.): $303

Estimated Total Monthly

$3,248

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$2,339

Property taxesest. at asking price, St. Johns County$605

HOAbilled annually$48

Estimated total, before insurance$2,993/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,899/yr · $325/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, 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

Year	Market value	Taxable value	Change
2025	$361,849	$142,389	—
2024	$356,330	$137,669	—
2023	$349,364	$132,203	—
2022	$336,859	$126,896	—
2021	$253,262	$121,744	—
2020	$237,869	$119,373	—

2025 property taxes (current owner): $3,899/yr

Estimated taxes if purchased at asking price: ~$7,300/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: ~1,652 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

As 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

Jul 24, 2026Pending$455,000
Mar 10, 2026Listed$455,000

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

Features

Price$455,000

Price / Sq Ft$229

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,990

Acres0.16 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryJulington Creek

HighCreekside

Community Information

Address304 S Buck Board Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number2494400510

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Golf Course, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

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

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)