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This home is in Julington Lakes, St. Johns.

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Active

Active·67 days on market·Julington Lakes

275 Freshwater Drive

St. Johns, FL 32259

$815,000$251/sqftEst. $4,338/moMLS# 2142777
4
Beds
3
Baths
3,244
Sq Ft
2019
Built
3
Garage
No
Pool

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

$815,000
$163,000
Loan Term
Monthly Payment
$4,117
Principal & Interest: $4,117
Est. Taxes & Insurance: $1,029
Estimated Total Monthly
$5,146
*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$4,338
Property taxesest. at asking price, St. Johns County$1,084
HOAbilled monthly$188
Estimated total, before insurance$5,610/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

YearMarket valueTaxable valueChange
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 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

  • May 9, 2026Listed$815,000

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

Features

Price$815,000
Price / Sq Ft$251
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage3,244
Total Structure Area4,118 sq ft
Acres0.20 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
Direction FacesNorthwest

School Information

ElementaryFreedom Crossing Academy
MiddleFreedom Crossing Academy
HighCreekside

Community Information

Address275 Freshwater Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionJulington Lakes
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size8,712 sq ft
Parcel Number0096821350

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Nook, Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Disposal, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Wood
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Sink, Washer Hookup
SecuritySecurity Gate

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Rear Porch
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedMay 9, 2026
Days on Market57
HOA Fees$188 / Monthly
HOA FrequencyMonthly
HOA NameMay Management
Tax Amount$6,282.04
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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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Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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