This home is in Aberdeen, St. Johns.

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Active Under Contract

Active Under Contract·55 days on market·Aberdeen

35 Spey Bay Court

St. Johns, FL 32259

$545,000$219/sqftEst. $2,901/moMLS# 2146591

Beds

Baths

2,489

Sq Ft

2020

Built

—

Garage

Pool

About this home

Aberdeen

Tucked away on a private preserve cul de sac in Aberdeen, this beautifully designed home offers the perfect blend of space, function, and style on one of the community's largest lots. The open floor plan features wood look tile throughout the main living areas, gourmet kitchen with quartz countertops, stainless steel appliances, double ovens, gas range, oversized island, and abundant cabinet space overlooking the living and dining areas. Downstairs includes a guest suite and private office, ideal for multigenerational living or working from home. Upstairs, the spacious primary suite features tray ceilings, a soaking tub, separate shower, and oversized walk in closet. You will also find a massive loft, ensuite bedroom, and upstairs laundry for added convenience. Step outside to a paver patio with fire pit and enjoy the privacy of the preserve backyard with plenty of room to entertain or relax. Aberdeen offers resort style amenities and is zoned for top rated St. Johns County schools.

Cost to own

Mortgage calculator

Home Price

$545,000

Down Payment: 20%

$109,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,753

Principal & Interest: $2,753

Est. Taxes & Insurance: $688

Estimated Total Monthly

$3,441

*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$2,901

Property taxesest. at asking price, St. Johns County$725

HOAbilled annually$4

Estimated total, before insurance$3,630/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

Year	Market value	Taxable value	Change
2025	$426,044	$375,322	—
2024	$423,637	$373,637	—
2023	$442,349	$370,205	—
2022	$435,859	$357,966	—
2021	$307,969	$307,969	—
2020	$60,000	$60,000	—

2025 property taxes (current owner): $7,544/yr

Estimated taxes if purchased at asking price: ~$8,700/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 2020)

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

Solar potential: ~1,756 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 22, 2026Listed$545,000

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

Features

Price$545,000

Price / Sq Ft$219

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,489

Acres0.28 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive Under Contract

Has PoolNo

Is WaterfrontNo

Community Information

Address35 Spey Bay Court, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionAberdeen

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size12,196.8 sq ft

Parcel Number0097628720

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Jogging Path

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo