This home is in Julington Creek, St. Johns.

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Active

Active·83 days on market·Julington Creek

1640 Summerdown Way

St. Johns, FL 32259

$449,999$194/sqftEst. $2,395/moMLS# 2141736

Beds

Baths

2,319

Sq Ft

2004

Built

Garage

Pool

About this home

Julington Creek

The smartest buy behind the gates of Plantation Grove. This 1 story 4 bed, 3 bath home with a flex room hands you the 2 things money can't renovate into a house: location & peace of mind. The big ticket items are DONE: 2025 roof, 2024 HVAC & water heater. Wood look tile flows through the light filled main living areas, where the family room fireplace anchors an open layout made for slow Sunday mornings. The kitchen delivers granite counters, a glass tile backsplash & the showstopper: a matte white Cafe appliance suite with copper hardware. A bay window breakfast nook & formal dining room with wainscoting give you room to host. Split bedrooms keep everyone's privacy, & the dedicated guest suite with its full bath is perfect for guests, or multigenerational living. The master suite offers a soaking tub, separate shower & double vanity. Your real backyard? 4,000 acres of Julington Creek Plantation: multiple pools, golf, tennis, fitness centers, parks & 7 miles of trails

Cost to own

Mortgage calculator

Home Price

$449,999

Down Payment: 20%

$90,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,287

Principal & Interest: $2,287

Est. Taxes & Insurance: $572

Estimated Total Monthly

$2,859

*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$2,395

Property taxesest. at asking price, St. Johns County$599

HOAbilled quarterly$165

Estimated total, before insurance$3,159/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

Last sold: $510,000 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$431,549	$377,946	—
2024	$416,587	$366,587	—
2023	$412,772	$362,772	—
2022	$375,519	$160,024	—
2021	$266,514	$153,907	—
2020	$244,463	$151,092	—

2024 property taxes (current owner): $6,368/yr

Estimated taxes if purchased at asking price: ~$7,200/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,749 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 10, 2026Price change$449,999−$29,001
Apr 24, 2026Listed$479,000

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

Features

Price$449,999

Price / Sq Ft$194

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,319

Acres0.16 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryJulington Creek

MiddleFruit Cove

HighCreekside

Community Information

Address1640 Summerdown Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number2498370370

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Park, Playground, Racquetball, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit

SecurityGated with Guard, Security Gate