This home is in Celestina, St. Johns.

1 / 37

Active

Active·88 days on market·Celestina

48 Lacaille Avenue

St. Johns, FL 32259

$660,000$207/sqftEst. $3,513/moMLS# 2140846

Beds

Baths

3,193

Sq Ft

2016

Built

Garage

Pool

About this home

Celestina

Celestina Home with Preserve Views, 3-Car Garage, First-Floor Owner's Suite, and $5,000 Buyer Incentive. Summary: Beautiful two-story home with preserve views in 24/7 guard-gated community of Celestina. Built in 2016, this fully fenced 4-bedroom, 2.5-bath home offers approximately 3,193 square feet, a 3-car garage with paved driveway, first-floor owner's suite, loft, and bonus/theater room, with designer finishes. Seller offering $5,000 credit toward closing costs, rate buy-down, or updates with acceptable offer. Description: Inside, the home offers upgraded flooring, a functional open layout, and valuable built-in storage upgrades in the pantry, laundry room, and primary bedroom closet. The chef's kitchen features 42-inch raised-panel espresso cabinetry, dual ovens, stainless steel appliances, granite countertops, a center island with breakfast bar, and a butler's pantry and walk-in pantry. The first-floor owner's suite provides a spacious retreat and includes

Cost to own

Mortgage calculator

Home Price

$660,000

Down Payment: 20%

$132,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,355

Principal & Interest: $3,355

Est. Taxes & Insurance: $839

Estimated Total Monthly

$4,193

*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$3,513

Property taxesest. at asking price, St. Johns County$878

HOAbilled annually$170

Estimated total, before insurance$4,561/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	$605,587	$554,865	—
2024	$596,637	$546,637	—
2023	$541,074	$475,225	—
2022	$548,046	$432,023	—
2021	$398,307	$392,748	—
2020	$357,044	$357,044	—

Estimated taxes if purchased at asking price: ~$10,500/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: material not specified — year not disclosed (home built 2016)

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

Solar potential: ~1,764 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