This home is in Julington Lakes, St. Johns.

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Active Under Contract

Active Under Contract·98 days on market·Julington Lakes

498 Freshwater Drive

St. Johns, FL 32259

$1,049,999$293/sqftEst. $5,589/moMLS# 2139003

Beds

Baths

3,582

Sq Ft

2017

Built

Garage

Pool

About this home

Julington Lakes

Welcome Home to Julington Lakes newest listing on one of the largest lots in this gated community. This 4-bedroom, 3.5-bath home offers a thoughtfully designed layout with upscale finishes including wainscoting and custom details throughout. The kitchen features modern appliances, stylish finishes, and a fully customized pantry and utility room, complemented by barn doors and a dedicated office space. The primary suite includes a private thermostat and custom closet. Enjoy a spacious screened lanai and extended paver fire pit area, surrounded by lush landscaping and a fully fenced yard--perfect for year-round living and entertaining. Additional features include a whole home Generac generator, plantation shutters, custom garage storage, water softener, smart home features, and NO CDD FEE. Resort-style amenities include a clubhouse, pool, fitness center, and more.

Cost to own

Mortgage calculator

Home Price

$1,049,999

Down Payment: 20%

$210,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,304

Principal & Interest: $5,304

Est. Taxes & Insurance: $1,326

Estimated Total Monthly

$6,630

*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$5,589

Property taxesest. at asking price, St. Johns County$1,397

HOAbilled quarterly$193

Estimated total, before insurance$7,178/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	$821,985	$0	—
2024	$734,778	$0	—
2023	$721,476	$0	—
2022	$655,159	$0	—
2021	$536,239	$0	—
2020	$472,139	$0	—

2025 property taxes (current owner): $334/yr

Estimated taxes if purchased at asking price: ~$16,800/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 — 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 2017)

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 8, 2026Listed$1,049,999

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

Features

Price$1,049,999

Price / Sq Ft$293

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,582

Acres0.40 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address498 Freshwater Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Lakes

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size17,424 sq ft

Parcel Number0096821490

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecurityGated with Guard, Security System Owned, Smoke Detector(s)