This home is in Julington Creek, St. Johns.

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Active Under Contract

Active Under Contract·29 days on market·Julington Creek

408 S Elverton Place

St. Johns, FL 32259

$440,000$231/sqftEst. $2,342/moMLS# 2139518

Beds

Baths

1,906

Sq Ft

2000

Built

Garage

Pool

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

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,236

Principal & Interest: $2,236

Est. Taxes & Insurance: $559

Estimated Total Monthly

$2,796

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$2,342

Property taxesest. at asking price, St. Johns County$585

HOAbilled annually$48

Estimated total, before insurance$2,976/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	$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: ~$7,000/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 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

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

Jun 17, 2026Listed$440,000

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

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

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDurbin Creek

MiddleFruit Cove

HighCreekside

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)

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