This home is in Twin Creeks North, St. Johns.

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Active

Active·94 days on market·Twin Creeks North

248 Clifton Bay

St. Johns, FL 32259

$424,999$219/sqftEst. $2,262/moMLS# 2139809

Beds

Baths

1,943

Sq Ft

2020

Built

Garage

Pool

About this home

Twin Creeks North

Preferred lender is offering 1% toward closing costs. Perfectly positioned directly across from the community playground, this beautifully designed home offers the ideal blend of style, comfort, and convenience. Step inside to a bright, open-concept layout filled with natural light and elevated finishes throughout. The spacious kitchen serves as the heart of the home, featuring a large quartz island, stainless steel appliances, custom cabinetry, and a designer tile backsplash--perfect for both everyday living and entertaining. The expansive living area flows seamlessly, creating a welcoming space for gatherings. The primary suite offers a private retreat with a spa-inspired bathroom, complete with dual vanities and a generous walk-in closet with built-in organization. Secondary bedrooms are well-proportioned and provide convenient access to updated bathrooms.

Cost to own

Mortgage calculator

Home Price

$424,999

Down Payment: 20%

$85,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,160

Principal & Interest: $2,160

Est. Taxes & Insurance: $540

Estimated Total Monthly

$2,700

*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$2,262

Property taxesest. at asking price, St. Johns County$566

HOAbilled monthly$168

Estimated total, before insurance$2,996/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	$407,142	$347,048	—
2024	$437,613	$336,560	—
2023	$379,872	$302,804	—
2022	$361,471	$266,248	—
2021	$307,037	$257,037	—
2020	$65,000	$64,886	—

2025 property taxes (current owner): $9,180/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.

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: Metal — year not disclosed (home built 2020)

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

Solar potential: ~1,582 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

Jul 8, 2026Price change$424,999−$25,000
Apr 13, 2026Listed$449,999

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

Features

Price$424,999

Price / Sq Ft$219

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,943

Acres0.11 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address248 Clifton Bay, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionTwin Creeks North

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,791.6 sq ft

Parcel Number0237190890

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Off Site, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Off Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Gas Oven, Gas Range, Microwave, Refrigerator

HeatingElectric

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level