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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Aberdeen, St. Johns — a home near Bartram Trail High School.

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Sold

Sold·Closed Jun 1, 2026·4 days on market·Recent sales in Aberdeen·Aberdeen

121 Lochnagar Mountain Drive

St. Johns, FL 32259

$410,000sold priceListed at $420,000 · 97.6% of asking$214/sqftMLS# 2142089
4
Beds
2
Baths
1,913
Sq Ft
2016
Built
2
Garage
No
Pool

23 more homes for sale in Aberdeen →Search Aberdeen on the map

HOA $4/mo6,534 sqft lotSingle Family Residence1 story

About this home

Aberdeen

Welcome to 121 Lochnagar Mountain Dr in St. Johns, FL, located in the Aberdeen community. This beautifully maintained 4-bedroom, 2-bath home offers comfort, style, and convenience. Built in 2016, this Osprey floor plan by DR Horton delivers functional, single-story living. A welcoming foyer opens to a spacious, open-concept living area and updated kitchen featuring a modern island and new appliance package. All appliances convey, including the washer/dryer, and refrigerator, making this home move-in ready. Enjoy a screened-in lanai and fully fenced backyard for added privacy. This home features a split-bedroom layout, with guest rooms separate from the primary suite. Located on a quiet street, just minutes to Freedom Crossing Academy (K-8), Bartram Trail High School and Aberdeen Shoppes. Amenities include a dog park, two pools, fitness center, basketball courts and more. This home is located approx. 30 min to Mickler's Beach, 45 min to JAX Aiirport and 40 to Historic St. Aug.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,271
Property taxesest. at asking price, St. Johns County$546
HOAbilled annually$4
Estimated total, before insurance$2,821/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,350/yr · $529/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$410,000
$82,000
Loan Term
Monthly Payment
$2,271
Principal & Interest: $2,271
Property taxes (est.): $546
Insurance (est.): $273
Estimated Total Monthly
$3,090
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,577 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$366,399$286,706—
2024$370,734$277,918—
2023$379,914$266,056—
2022$320,633$256,850—
2021$254,694$175,962—
2020$228,677$172,842—

2025 property taxes (current owner): $6,350/yr

Estimated taxes if purchased at asking price: ~$6,500/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $234/sq ft; this home is listed at $220/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
79 Lochnagar Mountain Drive, St. Johns, FL 32259Listed by RELAX REALTY LLCSep 2026$429,000$2274/31,88650
384 Shetland Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$395,000$2533/21,56400
190 Lochnagar Mountain Drive, St. Johns, FL 32259Listed by ASHLEY HOMES REALTY LLCSep 2026$402,000$2573/21,564130.1
294 Grampian Highlands Drive, St. Johns, FL 32259Listed by RE/MAX SPECIALISTSAug 2026$452,000$2214/32,04150.2
544 Grampian Highlands Drive, St. Johns, FL 32259Listed by ASSIST2SELL BUYERS & SELLERS REALTYSep 2026$414,900$2244/21,850380.3
737 Shetland Drive, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNSSep 2026$400,000$2343/21,70980.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$420,000
Price / Sq Ft$220
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,913
Acres0.15 acres
Year Built2016
TypeResidential
Sub-TypeSingle Family Residence
StyleA-Frame, Ranch
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address121 Lochnagar Mountain Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionAberdeen
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size6,534 sq ft
Parcel Number0097627400

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Management - Part Time, Park, Playground
Community FeaturesSidewalks, Street Lights
UtilitiesElectricity Connected, Natural Gas Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs
AppliancesDishwasher, Disposal, Dryer, Gas Range, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringLaminate, Tile
# of Stories1
LevelsOne
LaundryIn Unit, Lower Level

Exterior

Lot DescriptionDead End Street
Patio / PorchRear Porch, Screened
FencingFenced, Vinyl
RoofShingle
ConstructionStucco

Additional Information

Date ListedApril 27, 2026
Days on Market4
HOA Fees$50 / Annually
HOA FrequencyAnnually
Tax Amount$6,350.49
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Aberdeen

Aberdeen is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Aberdeen homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 1, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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