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 Julington Creek, St. Johns — a home near Creekside High School.

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Active

Active·128 days on market·Julington Creek

908 W Doty Branch Lane

St. Johns, FL 32259

$424,900$205/sqftEst. $2,184/moMLS# 2141853

Beds

Baths

2,072

Sq Ft

2001

Built

Garage

Pool

About this home

Julington Creek

Welcome to Julington Creek Plantation, one of St. Johns County's most established communities. This 4-bedroom, 2-bath home offers 2,072 square feet of comfortable one-level living, anchored by a kitchen that surprises everyone who walks in -- generous counter space, real room to cook, and an open flow to the main living area that the photos only hint at. Come see it in person. Roof replaced in 2020 -- a major plus for insurance and peace of mind. Four true bedrooms give you flexibility for family, guests, or a home office, plus a 2-car garage and a driveway with room for four vehicles. Brick and concrete siding exterior for lasting curb appeal. Zoned for St. Johns County's A-rated schools -- Julington Creek Elementary, Fruit Cove Middle, and Creekside High -- with JCP's resort-style amenities included: pools, fitness center, tennis, golf, and miles of walking paths, all with a low $490/year HOA. New price. Schedule your showing today.

Cost to own

Mortgage calculator

Home Price

$424,900

Down Payment: 20%

$84,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,184

Principal & Interest: $2,184

Property taxes (est.): $565

Insurance (est.): $283

Estimated Total Monthly

$3,033

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,184

Property taxesest. at asking price, St. Johns County$565

HOAbilled annually$41

Estimated total, before insurance$2,791/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	$371,721	$191,079	—
2024	$363,106	$184,986	—
2023	$365,267	$178,142	—
2022	$358,703	$171,497	—
2021	$268,228	$165,046	—
2020	$240,652	$162,077	—

property taxes (current owner): $2,026/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: material not specified — 2020 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: ~1,621 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