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 Celestina, St. Johns — a waterfront home in St. Johns County.

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Active

Active·146 days on market·Celestina

551 Amalurra Trail

St. Johns, FL 32259

$1,134,900$224/sqftEst. $5,835/moMLS# 2138559

Beds

Baths

5,070

Sq Ft

2018

Built

Garage

Pool

About this home

Celestina

🔥 $10,000 TOWARDS CLOSING COSTS OR EXPENSES | 💰 Possible VA Assumable 3% Mortgage Welcome to 551 Amalurra Trail, an exceptionally spacious 6-bedroom, 6-bath + office home offering 5,070 square feet per property appraiser in the gated community of Celestina in St. Johns County. This expansive floor plan features oversized living areas, soaring ceilings, and abundant natural light throughout. The open-concept design includes a large kitchen that flows seamlessly into generous living and dining spaces. The primary suite offers a private retreat complete with updated built-in closets, while additional bedrooms provide flexibility for guests or multi-generational living. Garages are fully equipped with mini-splits, epoxy floors, and built-in storage, ideal for a gym or workshop. Major systems have recently been updated, including a 2-year-old HVAC and tankless water heater, both with transferable warranties, plus a whole-home Generac Generator

Cost to own

Mortgage calculator

Home Price

$1,134,900

Down Payment: 20%

$226,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,835

Principal & Interest: $5,835

Property taxes (est.): $1,510

Insurance (est.): $757

Estimated Total Monthly

$8,101

*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$5,835

Property taxesest. at asking price, St. Johns County$1,510

HOAbilled monthly$170

Estimated total, before insurance$7,515/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,325/yr · $194/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	$824,467	$0	—
2024	$795,776	$0	—
2023	$625,650	$0	—
2022	$615,055	$0	—
2021	$518,513	$0	—
2020	$470,503	$0	—

2025 property taxes (current owner): $2,325/yr

Estimated taxes if purchased at asking price: ~$18,100/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2018)

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

Solar potential: ~1,774 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