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This home is in Julington Lakes, St. Johns — a gated community home in St. Johns County.

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Active

Active·45 days on market·Julington Lakes

250 Shadow Cove

St. Johns, FL 32259

$873,000$269/sqftEst. $4,451/moMLS# 2145950

Beds

Baths

3,245

Sq Ft

2021

Built

Garage

Pool

About this home

Julington Lakes

FOR SALE OR FOR RENT! Welcome to the MOST CUSTOM-BUILT San Tropez home in Julington Lakes. This beautiful TOLL BROTHERS home doesn't have the standard San Tropez features. In lieu of all those standard features, this stunning home was built FULL OF BUILDER UPGRADES and A LA CARTE options. The covered lanai was expanded 468 sqft. The master bedroom was expanded. The powder room was converted into a full bath and a 5th bedroom was added in lieu of the 3rd garage space. Additionally, in lieu of having a second living room area, the dining room was expanded, the kitchen and the kitchen island were expanded, a walk-in pantry was built, and a space was created for a butlers pantry. To top it all off, a state of the art kitchen with a custom-built kitchen island was added to the outdoor area. This impressive split plan home boasts a welcoming two-story foyer that leads to the elegant formal living and dining areas and is accented by a lovely open staircase.

Cost to own

Mortgage calculator

Home Price

$873,000

Down Payment: 20%

$174,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,451

Principal & Interest: $4,451

Property taxes (est.): $1,162

Insurance (est.): $582

Estimated Total Monthly

$6,195

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$4,451

Property taxesest. at asking price, St. Johns County$1,162

HOAbilled quarterly$193

Estimated total, before insurance$5,805/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,975/yr · $581/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

Year	Market value	Taxable value	Change
2025	$653,816	$481,128	—
2024	$599,587	$466,861	—
2023	$539,970	$451,807	—
2022	$541,374	$437,191	—
2021	$110,000	$110,000	—

2025 property taxes (current owner): $6,975/yr

Estimated taxes if purchased at asking price: ~$13,900/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 2021)

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

Jul 13, 2026Price change$873,000−$27,000
Jun 17, 2026Listed$900,000

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

Features

Price$873,000

Price / Sq Ft$269

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,245

Acres0.24 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Craftsman, Multi Generational, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryFreedom Crossing Academy

MiddleFreedom Crossing Academy

HighCreekside

Community Information

Address250 Shadow Cove, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Lakes

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,454.4 sq ft

Parcel Number0096823240

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Security, Spa/Hot Tub, Tennis Court(s), Water

UtilitiesElectricity Connected, Natural Gas Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener, Gated, Guest

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral, Zoned

CoolingCentral Air, Zoned

FlooringTile, Wood

# of Stories2

LaundryIn Unit, Lower Level, Sink

Security24 Hour Security, Carbon Monoxide Detector(s), Fire Alarm, Gated with Guard, Security Gate, Smoke Detector(s)