This home is in St. Johns — a new construction home in St. Johns County.
Pending·152 days on market
236 Zephyr Drive
St. Johns, FL 32259
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
St. Johns
This single-story Water Lily by Toll Brothers delivers an open-concept layout with zero wasted space, just beautifully connected living areas with LVP flooring throughout. Tray ceilings in the great room add volume and elegance, while designer light fixtures elevate every space. The gourmet kitchen impresses with two-toned cabinets, an enhanced island, oversized pantry, and polished chrome fixtures, perfect for the home chef who loves to entertain. Retreat to your expanded primary suite featuring a tray ceiling and plush upgraded carpet, designed as a true private sanctuary. The flex space offers endless possibilities as a home office, guest room, or hobby space. Step outside to your covered lanai, ideal for year-round outdoor living. An expanded driveway adds everyday convenience, and minimal yard maintenance means your free time is spent enjoying RiverTown's resort-style amenities and waterfront recreation on the St. Johns River. Limited boat slips available! Call to tour today!
Next steps in Fruit Cove
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,611 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $135,000 | $110,000 | — |
| 2024 | $100,000 | $100,000 | — |
| 2023 | $100,000 | $100,000 | — |
2025 property taxes (current owner): $4,051/yr
Estimated taxes if purchased at asking price: ~$7,000/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.
History
Price & status history
- Sep 19, 2026Pending$439,000
- Sep 16, 2026Price change$439,000−$10,000
- Aug 25, 2026Price change$449,000−$6,000
- Aug 12, 2026Price change$455,000−$33,000
- Aug 3, 2026Price change$488,000−$1,000
- Jul 20, 2026Price change$489,000−$25,000
- Jul 14, 2026Price change$514,000−$1,000
- May 14, 2026Listed$515,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $269/sq ft; this home is listed at $264/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 391 Sternwheel Drive, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $457,000 | $253 | 3/2 | 1,805 | 103 | 0.3 |
| 162 Riverwalk Boulevard, St. Augustine, FL 32259Listed by ASSIST2SELL FULL SERVICE REALTY LLC. | Sep 2026 | $430,000 | $269 | 3/2 | 1,600 | 6 | 0.4 |
| 87 Merchant Avenue, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Aug 2026 | $512,155 | $270 | 2/2 | 1,900 | 0 | 0.4 |
| 197 Merchant Avenue, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Jun 2026 | $547,500 | $258 | 2/2.5 | 2,121 | 189 | 0.4 |
| 254 Crafton Circle, St. Johns, FL 32259Listed by NON MLS (realMLS) | Oct 2026 | $524,756 | $276 | 2/2 | 1,900 | 0 | 0.6 |
| 305 Crafton Circle, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $449,000 | $267 | 2/2 | 1,682 | 16 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: JACKSONVILLE TBI REALTY, LLC
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.
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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