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 Celestina, St. Johns — a gated community home in St. Johns County.

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Active

Active·122 days on market·Celestina

315 Tierra Cove

St. Johns, FL 32259

$1,074,999$244/sqftEst. $5,527/moMLS# 2142609

Beds

Baths

4,412

Sq Ft

2022

Built

Garage

Pool

About this home

Celestina

Luxury living in St. Johns County! Built in 2022, this stunning 6-bedroom, 4.5-bath home with a dedicated office offers 4,412 square feet of thoughtfully designed living space. From the moment you enter you're welcomed by soaring two-story ceilings, abundant natural light, and an open-concept floor plan designed for both everyday living and effortless entertaining. The chef's kitchen is the heart of the home, featuring an oversized island, farmhouse sink, upgraded soft-close cabinetry, double ovens, quartz backsplash, and two walk-in pantries. Spacious living and dining areas flow seamlessly, creating the perfect setting for gatherings both large and intimate. The first floor features a luxurious primary suite with walk-in closets, along with a private guest suite ideal for visitors or multi-generational living. Upstairs, you'll find four additional generously sized BR's and a spacious loft, offering flexibility, privacy, and comfort for everyone.

Cost to own

Mortgage calculator

Home Price

$1,074,999

Down Payment: 20%

$215,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,527

Principal & Interest: $5,527

Property taxes (est.): $1,430

Insurance (est.): $717

Estimated Total Monthly

$7,674

*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$5,527

Property taxesest. at asking price, St. Johns County$1,430

HOAbilled monthly$242

Estimated total, before insurance$7,199/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,269/yr · $856/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).

Cost to own

Taxes & assessment

Last sold: $756,000 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$837,422	$756,617	—
2024	$801,594	$687,834	—
2023	$625,304	$625,304	—
2022	$134,400	$106,480	—
2021	$100,000	$96,800	—
2020	$88,000	$88,000	—

2025 property taxes (current owner): $10,269/yr

Estimated taxes if purchased at asking price: ~$17,200/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: material not specified — year not disclosed (home built 2022)

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

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

Price & status history

Apr 30, 2026Listed$1,074,999

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

Features

Price$1,074,999

Price / Sq Ft$244

Bedrooms6

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,412

Total Structure Area4,855 sq ft

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryDurbin Creek

MiddleFruit Cove

HighCreekside

Community Information

Address315 Tierra Cove, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionCelestina

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0057323480

ZoningPUD

Amenities

AmenitiesPool, Dog Park, Fitness Center, Jogging Path, Security, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LaundryIn Unit, Lower Level

SecurityGated with Guard, Smoke Detector(s)