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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Johns — a pool home in St. Johns County.

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Sold

Sold·Closed Jul 17, 2026·0 days on market·Recent sales in St. Johns County

1204 Creek Bend Road

St. Johns, FL 32259

$1,054,000sold priceListed at $1,099,000 · 95.9% of asking$347/sqftMLS# 2146576
4
Beds
3.5
Baths
3,041
Sq Ft
1994
Built
3
Garage
Yes
Pool
FEMA Zone XHOA $29/mo1.12 acresSingle Family Residence2 stories

About this home

St. Johns

THIS POOL HOME IS A STUNNER....with a COMPLETE luxury renovation, this home offers the best of classic architecture & modern living. The outdoor living space and 3 yr new screened in pool, summer kitchen and pavilion expand your entertaining and living spaces, bringing the indoors out! Thoughtfully reimagined from floor to ceiling, every inch of this one-of-a-kind residence has been meticulously updated with exceptional craftsmanship and designer-quality finishes throughout. This lovely home features beautifully curated spaces filled with warmth, style, and sophistication. From the new high end (and super durable) LVP floors, all new upscale fixtures, to the brand new kitchen & baths, no detail has been overlooked. Perfectly positioned to make it SUPER PRIVATE and capture the breathtaking preserve views. This is a rare opportunity to own a truly special home where character and high-end luxury come together seamlessly. Here's just a glimpse of what you'll find here: many new windows

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$5,838
Property taxesest. at asking price, St. Johns County$1,403
HOAbilled annually$29
Estimated total, before insurance$7,270/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,825/yr · $485/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,054,000
$210,800
Loan Term
Monthly Payment
$5,838
Principal & Interest: $5,838
Property taxes (est.): $1,403
Insurance (est.): $703
Estimated Total Monthly
$7,943
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 1994)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,466 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Cost to own

Taxes & assessment

Last sold: $765,000 in September 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$715,208$395,699—
2024$708,574$383,840▼ $19,600
2023$652,562$311,519—
2022$589,965$287,897—
2021$412,128$278,055—
2020$413,838$271,278—

2025 property taxes (current owner): $5,825/yr

Estimated taxes if purchased at asking price: ~$16,800/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

  • Jul 20, 2026Closed$1,099,000
  • May 28, 2026Listed$1,099,000

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 $245/sq ft; this home is listed at $361/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1309 Hideaway Drive S, St. Johns, FL 32259Listed by WATSON REALTY CORPSep 2026$680,000$2404/32,839800.2
1333 S Hideaway Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$699,900$2854/32,452530.3
1292 Creek Bend Road, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$887,500$2455/33,618920.4
280 Queen Victoria Avenue, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$600,000$1695/3.53,544890.5
725 Piney Place, Jacksonville, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$750,000$2135/43,5291080.6
344 S Checkerberry Way, St. Johns, FL 32259Listed by COMPASS FLORIDA LLCAug 2026$920,000$2854/3.53,232270.6

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

Price$1,099,000
Price / Sq Ft$361
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,041
Acres1.12 acres
Year Built1994
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Electric Heat, Heated, Pool Sweep, Salt Water, Screen Enclosure
Is WaterfrontNo

Community Information

Address1204 Creek Bend Road, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionCunningham Creek
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size48,787.2 sq ft
Parcel Number0097210040

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Butler Pantry, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned, Wine Cooler
HeatingHeat Pump
CoolingCentral Air, Electric
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsOne and One Half
LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

Exterior

Exterior FeaturesBalcony, Fire Pit, Outdoor Kitchen
Lot DescriptionDead End Street, Sprinklers In Front, Sprinklers In Rear, Wetlands, Wooded
Patio / PorchCovered, Rear Porch, Screened
FencingBack Yard
RoofShingle
ConstructionBrick, Frame

Additional Information

Date ListedMay 28, 2026
Days on Market0
HOA Fees$350 / Annually
HOA FrequencyAnnually
Tax Amount$5,824.85
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 17, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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