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 St. Johns.

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Pending

Pending·13 days on market

177 Southern Grove Drive

St. Johns, FL 32259

$334,900$224/sqftEst. $1,720/moMLS# 2139596

Beds

Baths

1,496

Sq Ft

1996

Built

Garage

Pool

About this home

St. Johns

This is your chance to own an updated, move-in ready home in one of the best price points in St. John's County! Located in one of the top school districts in the area, this home also provides easy access to all major highways, local dining and entertainment, golf and more. This home boasts brand new flooring, fresh paint interior and exterior, and new quartz kitchen countertops to match the modern stainless steel appliances. The primary bed/bath has ample space in the walk-in closet, dual sinks and warm new carpet. The backyard is a mini oasis with an extended patio and no rear neighbors! Brand new HVAC as well. Schedule today! Some images in this listing have been virtually staged.

Cost to own

Mortgage calculator

Home Price

$334,900

Down Payment: 20%

$66,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,720

Principal & Interest: $1,720

Property taxes (est.): $446

Insurance (est.): $223

Estimated Total Monthly

$2,389

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,720

Property taxesest. at asking price, St. Johns County$446

HOAbilled annually$51

Estimated total, before insurance$2,217/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$315,291	$303,689	—
2024	$318,605	$276,081	—
2023	$302,318	$250,983	—
2022	$266,932	$228,166	—
2021	$210,978	$207,424	—
2020	$188,567	$188,567	—

Estimated taxes if purchased at asking price: ~$5,300/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: material not specified — year not disclosed (home built 1996)

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: ~1,627 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