This home is in Julington Creek, St. Johns.

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Active Under Contract

Active Under Contract·62 days on market·Julington Creek

376 N Lombardy Loop

St. Johns, FL 32259

$825,000$273/sqftEst. $4,391/moMLS# 2137703

Beds

Baths

3,021

Sq Ft

2003

Built

Garage

Yes

Pool

About this home

Julington Creek

Stunning VACANT Craftsman style POOL home situated on an oversized preserve lot in highly desirable, gated community of Plantation Estates in Julington Creek Plantation. Beautifully designed home includes stone elevation, new paver driveway, large front porch and 3 car garage. Upon entry, a bright foyer separates a private living room/office and formal dining room. The expansive open kitchen includes stone countertops, maple cabinets w/abundant storage. Kitchen overlooks the great room, featuring a gas fireplace. A separate breakfast nook with views of pool and backyard. The primary suite is located on main floor and features large walk in closet along with separate tub and shower. On the opposite side of the home, you will find three additional bedrooms and two full bathrooms. Upstairs is a spacious bonus room w/private bath offers incredible flexibility - ideal as a guest suite, media room or home office. Step outside and make a splash in the beautifully refinished pool

Cost to own

Mortgage calculator

Home Price

$825,000

Down Payment: 20%

$165,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,167

Principal & Interest: $4,167

Est. Taxes & Insurance: $1,042

Estimated Total Monthly

$5,209

*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$4,391

Property taxesest. at asking price, St. Johns County$1,098

HOAbilled quarterly$165

Estimated total, before insurance$5,654/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	$690,951	$393,588	—
2024	$665,276	$381,788	—
2023	$688,492	$369,212	—
2022	$603,162	$357,002	—
2021	$442,284	$345,148	—
2020	$411,347	$339,692	—

2025 property taxes (current owner): $7,283/yr

Estimated taxes if purchased at asking price: ~$13,200/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 2003)

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: ~1,650 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

May 14, 2026Listed$825,000

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

Features

Price$825,000

Price / Sq Ft$273

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,021

Acres0.45 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Pool Sweep, Screen Enclosure, Solar Heat

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryJulington Creek

MiddleFruit Cove

HighCreekside

Community Information

Address376 N Lombardy Loop, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size19,602 sq ft

Parcel Number2498261820

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Elevator(s), Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Management - Full Time, Management- On Site, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Water Available, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPool, Trees/Woods

Interior

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

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Washer, Water Softener Owned

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

SecurityGated with Guard, Security Gate