This home is in Julington Creek, St. Johns — a home near Creekside High School.
Active·123 days on market·Julington Creek
820 W Cumberland Court
St. Johns, FL 32259
About this home
Julington Creek
Located in the heart of Julington Creek Plantation, this 3-bedroom, 2-bathroom home offers an exceptional location just a walk or bike ride to both the elementary and middle schools within the highly acclaimed A-rated St. Johns County School District in Florida. Enjoy peaceful preserve views from the screened lanai, offering privacy and a relaxing outdoor retreat. Inside, you'll find a functional floor plan with tray ceilings and a spacious living area. The third bedroom is currently used as an office and features built-in cabinetry and a Murphy bed, making it ideal as a guest room or workspace. This well-maintained home provides the perfect opportunity to add your personal touches and make it your own. Julington Creek Plantation residents enjoy resort-style amenities, including pools, a fitness center, parks, sports courts, walking trails, and the new $34 million Tide Club at Julington Creek, featuring a state-of-the-art aquatics complex and recreational park. Conveniently located
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $369,799 | $146,419 | — |
| 2024 | $357,967 | $141,585 | — |
| 2023 | $350,955 | $136,005 | — |
| 2022 | $340,462 | $130,587 | — |
| 2021 | $258,523 | $125,327 | — |
| 2020 | $240,343 | $122,906 | — |
2025 property taxes (current owner): $3,954/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.
Hurricane evacuation zone E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: Shingle — year not disclosed (home built 2001)
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: ~1,690 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 homeAs 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
Price & status history
- Apr 29, 2026Listed$425,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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 →Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Julington Creek
Active$424,900MLS# 2141853Est. $2,261/mo908 W Doty Branch Lane, St. Johns, FL 322594 Beds2 Baths2,072 sqftWelcome to Julington Creek Plantation, one of St. Johns County's most established communities. This 4-bedroom, 2-bath…
ResidentialHIGHLIGHT REALTY CORP
Pending$429,900MLS# 2144179Est. $2,288/mo369 Maplewood Drive, St. Johns, FL 322593 Beds2 Baths1,839 sqftHave you been waiting on the perfect home in Julington Creek Plantation with some of the best schools? well here it…
ResidentialFLORIDA HOMES REALTY & MTG LLC
Active Under Contract$420,000MLS# 2149602Est. $2,235/mo401 Twin Oaks Lane, St. Johns, FL 322593 Beds2 Baths1,984 sqftDelightful open, larger 3/2 on generous corner. Study/office with built-ins & double-sided fireplace. Formal dining…
ResidentialROUND TABLE REALTY
Active Under Contract$435,000MLS# 2151837Est. $2,315/mo124 Dragonfly Drive, St. Johns, FL 322594 Beds2 Baths1,977 sqftWelcome to Julington Creek Plantation! Nestled on a quiet cul-de-sac in one of St. Johns County's most sought-after…
ResidentialGAILEY ENTERPRISES LLC
Keep looking
Similar homes in St. Johns
Explore the area
More in Julington Creek
Julington Creek guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines