This home is in Bartram Plantation, St. Johns — a pool home in St. Johns County.
Sold·Closed Jun 23, 2026·38 days on market·Recent sales in Bartram Plantation·Bartram Plantation
405 Summerset Drive
St. Johns, FL 32259
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About this home
Bartram Plantation
Multi-generational living with detached casita in the estate community of Bartram Plantation! This is a rare opportunity to own a well-maintained home on a sprawling over half-an-acre preserve lot. The detached casita features its own bedroom, bathroom, kitchen, living area, and laundry. The separate space offers nearly 1000 sqft of comfort and independence for extended family or guests while keeping everyone connected. This beautifully designed residence has 5 bedrooms in the main house, a private office, and an upstairs flex space, complemented by an oversized 3-car garage. Inside, the home is light-filled and thoughtfully designed with Anderson hickory hardwood floors, soaring ceilings, 8-foot doors, and extensive custom woodwork throughout. The layout blends comfort and function, featuring refined dining spaces, a living room, spacious bedrooms, and a private office with double doors, a coffered ceiling, and wainscoting.
Next steps in Bartram Plantation
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,760 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 homeThis 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $918,396 | $577,913 | — |
| 2024 | $899,283 | $560,918 | — |
| 2023 | $927,761 | $543,124 | — |
| 2022 | $870,234 | $525,349 | — |
| 2021 | $584,285 | $508,577 | — |
| 2020 | $504,132 | $454,132 | — |
2025 property taxes (current owner): $8,279/yr
Estimated taxes if purchased at asking price: ~$19,200/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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $303/sq ft; this home is listed at $307/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 517 S Bridge Creek Drive, St. Johns, FL 32259Listed by WATSON REALTY CORP | Aug 2026 | $979,000 | $262 | 4/5 | 3,731 | 4 | 0.1 |
| 430 Summerset Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $1,200,000 | $303 | 4/5 | 3,966 | 18 | 0.1 |
| 2588 State Road 13 N, St. Johns, FL 32259Listed by THE LEGENDS OF REAL ESTATE | Aug 2026 | $2,100,000 | $494 | 4/4.5 | 4,255 | 119 | 0.4 |
| 2352 State Road 13 N 3, St. Johns, FL 32259Listed by US REALTY HUB | Sep 2026 | $1,460,000 | $497 | 4/3 | 2,936 | 23 | 0.5 |
| 204 Holly Creek Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $619,000 | $207 | 4/2.5 | 2,987 | 0 | 0.9 |
| 365 Holly Creek Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $672,758 | $225 | 5/4 | 2,987 | 11 | 1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Bartram Plantation
Bartram Plantation is a neighborhood in Jacksonville, FL (St. Johns County), ZIP 32259.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 23, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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