This home is in Julington Lakes, St. Johns — a gated community home in St. Johns County.
Active Under Contract·113 days on market·Julington Lakes
275 Freshwater Drive
St. Johns, FL 32259
About this home
Julington Lakes
Welcome to this beautifully appointed Terrano Carolina model by Toll Brothers, located on a serene preserve lot in the highly sought-after Julington Lakes community of St. Johns, FL. This 4-bedroom, 3-bathroom home offers a perfect blend of elegance and comfort, with gorgeous wood flooring flowing throughout the main level, where you'll find a private office and a convenient guest bedroom. Upstairs, a spacious loft provides a versatile retreat alongside the luxurious primary suite and two additional bedrooms. Meticulously maintained and truly move-in ready, the home showcases fresh coastal-modern design with thoughtful architectural details throughout. Beyond the home, residents enjoy the charm of a gated community rich with amenities, including a clubhouse, fitness center with yoga room, resort-style pool with lap lanes, tennis and basketball courts, and a welcoming pavilion overlooking the kayak and paddleboard launch. This is more than a home--it's a lifestyle.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $690,784 | $429,644 | — |
| 2024 | $648,269 | $416,828 | — |
| 2023 | $605,954 | $403,231 | — |
| 2022 | $552,127 | $390,030 | — |
| 2021 | $457,013 | $377,214 | — |
| 2020 | $421,316 | $371,316 | — |
2025 property taxes (current owner): $6,282/yr
Estimated taxes if purchased at asking price: ~$13,000/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: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,777 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 homeAs 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
- Aug 19, 2026Active Under Contract$815,000
- May 9, 2026Listed$815,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Julington Lakes
Julington Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Julington Lakes homes for sale →Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines