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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Julington Creek, St. Johns — a home near Creekside High School.

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Sold

Sold·Closed Sep 1, 2026·78 days on market·Recent sales in Julington Creek·Julington Creek

408 S Elverton Place

St. Johns, FL 32259

$428,900sold priceListed at $440,000 · 97.5% of asking$225/sqftMLS# 2139518
3
Beds
2
Baths
1,906
Sq Ft
2000
Built
2
Garage
No
Pool

30 more homes for sale in Julington Creek →Search Julington Creek on the map

FEMA Zone XHOA $48/mo9,148 sqft lotSingle Family Residence1 story

About this home

Julington Creek

Welcome to life in Julington Creek Plantation, where top-rated schools, resort-style amenities, and a true sense of community come together. This beautifully maintained home sits on a quiet cul-de-sac and offers a warm, inviting layout filled with natural light and thoughtful updates throughout. Step inside to find tile flooring in the main living areas and laminate in the dining room, complemented by elegant archways throughout and vaulted ceilings in the spacious family room. The kitchen is designed for both function and style, featuring Corian countertops, abundant prep space, a center island, and a convenient closet pantry. The large family room has a cozy wood-burning fireplace with a mantel that creates the perfect place to unwind. The split-bedroom floor plan offers privacy, with a large owner's suite showcasing a bay window, vaulted ceilings, and a beautifully remodeled bath complete with an updated shower, new flooring, and a dual sink vanity topped with granite countertops.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,376
Property taxesest. at asking price, St. Johns County$571
HOAbilled annually$48
Estimated total, before insurance$2,995/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,730/yr · $311/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$428,900
$85,780
Loan Term
Monthly Payment
$2,376
Principal & Interest: $2,376
Property taxes (est.): $571
Insurance (est.): $286
Estimated Total Monthly
$3,232
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2000)

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: ~1,609 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$349,357$129,814—
2024$344,010$125,307—
2023$343,010$120,055—
2022$337,399$119,456—
2021$252,180$114,506—
2020$228,300$112,228—

2025 property taxes (current owner): $3,730/yr

Estimated taxes if purchased at asking price: ~$6,800/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.

History

Price & status history

  • Sep 1, 2026Closed$440,000
  • Jun 17, 2026Listed$440,000

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

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 $237/sq ft; this home is listed at $231/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
569 Sparrow Branch Circle, St. Johns, FL 32259Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$410,000$2383/21,72400.2
237 Crooked Court, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$475,000$2373/22,006970.5
728 E Cumberland Court, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$610,000$2693/2.52,271480.5
304 S Buck Board Drive, St. Johns, FL 32259Listed by ENGEL & VOLKERS FIRST COASTSep 2026$450,000$2264/21,9901060.5
1357 Shootingstar Lane, St. Johns, FL 32259Listed by SOVEREIGN REAL ESTATE GROUPSep 2026$378,000$2124/21,786190.6
952 Buttercup Drive, St. Johns, FL 32259Listed by RE/MAX SPECIALISTSAug 2026$375,000$2263/21,66040.6

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

Price$440,000
Price / Sq Ft$231
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,906
Total Structure Area2,638 sq ft
Acres0.21 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address408 S Elverton Place, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionJulington Creek Plan
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size9,147.6 sq ft
Parcel Number2495400080

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Golf Course, Jogging Path, Management - Off Site, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Suburban, Street Lights
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDisposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity System Owned

Exterior

Lot DescriptionCul-De-Sac, Few Trees
Patio / PorchPatio, Rear Porch
RoofShingle
ConstructionComposition Siding, Stucco
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJune 17, 2026
Days on Market78
HOA Fees$580 / Annually
HOA FrequencyAnnually
Tax Amount$3,729.92
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SERVICE REALTY, LLC

Sold by: WATSON REALTY CORP (buyer's brokerage)

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 Julington Creek

Julington Creek is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Julington Creek homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 1, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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