This home is in Oxford Estates, St. Johns.

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Active Under Contract

Active Under Contract·100 days on market·Oxford Estates

408 Oxford Estates Way

St. Johns, FL 32259

$785,000$286/sqftEst. $4,178/moMLS# 2138573

Beds

Baths

2,745

Sq Ft

2015

Built

Garage

Yes

Pool

About this home

Oxford Estates

*Custom Pool home Built by Mastercraft - The Tyler floor plan in sought-after gated community of Oxford Estates* *3-car side-entry garage - extra deep with epoxy floors & 9' garage doors* *Whole-house generator for peace of mind* *Resort-style Mastercraft pool overlooking the lake with custom privacy features* *Spacious covered patio + outdoor TV - perfect for entertaining* *Expansive pool deck with dedicated fire pit area* *10' ceilings, 8' doors, and tray ceilings throughout* *Gourmet kitchen with 12' island, double refrigerators & gas cooktop* *Split floor plan with 4 bedrooms + 3 full baths* *Luxurious owner's suite with freestanding tub & oversized walk-in shower* *Dedicated office/flex room + formal dining room with wood accents* *Natural gas community with tankless water heater & gas appliances* *No CDD Fee!*

Cost to own

Mortgage calculator

Home Price

$785,000

Down Payment: 20%

$157,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,965

Principal & Interest: $3,965

Est. Taxes & Insurance: $991

Estimated Total Monthly

$4,957

*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$4,178

Property taxesest. at asking price, St. Johns County$1,045

HOAbilled annually$100

Estimated total, before insurance$5,323/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	$609,360	$609,360	—
2024	$589,762	$354,002	—
2023	$598,336	$342,235	—
2022	$560,660	$330,811	—
2021	$418,701	$319,719	—
2020	$397,541	$314,614	—

2025 property taxes (current owner): $8,541/yr

Estimated taxes if purchased at asking price: ~$12,500/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2015)

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

Solar potential: ~1,773 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

Apr 6, 2026Listed$785,000

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

Features

Price$785,000

Price / Sq Ft$286

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,745

Total Structure Area3,747 sq ft

Acres0.35 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Pool Sweep

Is WaterfrontYes

Gated CommunityYes

Community Information

Address408 Oxford Estates Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionOxford Estates

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size15,246 sq ft

Parcel Number0023950690

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Gated, Maintenance Grounds, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryIn Unit