This home is in Stillwater, St. Johns.

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Active

Active·79 days on market·Stillwater

312 Stillwater Boulevard

St. Johns, FL 32259

$400,000$234/sqftEst. $2,033/moMLS# 2142964

Beds

Baths

1,710

Sq Ft

2022

Built

Garage

Pool

About this home

Stillwater

Welcome to this beautifully updated home in the highly sought-after Stillwater community of St. Johns, a premier 55+ active adult community where modern upgrades and resort-style living come together seamlessly. From the moment you step inside, you'll notice the fresh interior paint and enhanced lighting throughout, creating a bright and inviting atmosphere. The open-concept layout is perfect for both everyday living and entertaining, anchored by a well-appointed kitchen featuring a gas stove and plenty of space to gather. The adjacent living and dining areas flow effortlessly, while ceiling fans throughout the home add comfort year-round. The primary suite offers a stylish and functional retreat, highlighted by a sliding barn door leading into the spa-inspired bathroom, complete with quartz countertops and frameless shower doors. Additional bedrooms provide flexibility for guests or hobbies, along with a dedicated flex room/study featuring custom built-in bookshelves. This home is

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Est. Taxes & Insurance: $508

Estimated Total Monthly

$2,541

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,033

Property taxesest. at asking price, St. Johns County$532

HOAbilled monthly$710

Estimated total, before insurance$3,275/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

Last sold: $374,900 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$355,400	$304,678	—
2024	$388,589	$305,935	—
2023	$345,568	$295,568	—
2022	$100,800	$100,800	—

2025 property taxes (current owner): $7,463/yr

Estimated taxes if purchased at asking price: ~$6,400/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: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,707 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

Price & status history

May 1, 2026Listed$400,000

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

Features

Price$400,000

Price / Sq Ft$234

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,710

Acres0.11 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBeachside

Community Information

Address312 Stillwater Boulevard, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionStillwater

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,791.6 sq ft

Parcel Number0098620300

ZoningResidential

Amenities

AmenitiesPool, Other, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate, Smoke Detector(s)