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 Cimarrone Golf Club, St. Johns — a gated community home in St. Johns County.

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Active

Active·149 days on market·Cimarrone Golf Club

2693 Seneca Drive

St. Johns, FL 32259

$739,000$231/sqftEst. $3,799/moMLS# 2137711

Beds

Baths

3,197

Sq Ft

2001

Built

Garage

Pool

About this home

Cimarrone Golf Club

BRAND NEW beautiful LVP flooring just installed!! Experience luxury living in Cimarrone's prestigious golf and country club community. Elegant 4-bedroom home with dedicated office OR 5th bedroom, 3.5 baths with modern updates and timeless appeal in a premier location. Recently updated, this home offers the perfect blend of modern comfort, timeless style, and an unbeatable location. Step inside a bright, open layout featuring new flooring, fresh paint throughout, a new roof, and new appliances. The spacious kitchen flows seamlessly into the family room with a cozy gas fireplace, perfect for both relaxing nights and entertaining guests. Enjoy the peaceful beauty of the preserve and distant golf course from your sunroom, a private retreat for morning coffee or evening sunsets. Located in a top-rated A+ school district and just minutes from shopping, dining, and daily conveniences. Residents can enjoy luxury amenities including a club house, pool, fitness, tennis, restaurant and Golf!!

Cost to own

Mortgage calculator

Home Price

$739,000

Down Payment: 20%

$147,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,799

Principal & Interest: $3,799

Property taxes (est.): $983

Insurance (est.): $493

Estimated Total Monthly

$5,275

*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$3,799

Property taxesest. at asking price, St. Johns County$983

HOAbilled monthly$188

Estimated total, before insurance$4,971/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,774/yr · $648/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	$554,051	$551,010	—
2024	$536,114	$500,918	—
2023	$563,815	$455,380	—
2022	$554,856	$413,982	—
2021	$376,347	$376,347	—
2020	$365,992	$343,213	—

2025 property taxes (current owner): $7,774/yr

Estimated taxes if purchased at asking price: ~$11,800/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Shingle — year not disclosed (home built 2001)

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: ~1,457 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 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

Apr 1, 2026Listed$739,000

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

Features

Price$739,000

Price / Sq Ft$231

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,197

Acres0.46 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBeachside

Community Information

Address2693 Seneca Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionCimarrone Golf & Cc

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size20,037.6 sq ft

Parcel Number0098550100

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Gated

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDisposal, Electric Range

HeatingCentral

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecurityGated with Guard, Security Gate, Smoke Detector(s)