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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 Aberdeen, St. Johns.

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Sold

Sold·Closed Aug 19, 2026·36 days on market·Recent sales in Aberdeen·Aberdeen

35 Spey Bay Court

St. Johns, FL 32259

$540,000sold priceListed at $545,000 · 99.1% of asking$217/sqftMLS# 2146591
4
Beds
4
Baths
2,489
Sq Ft
2020
Built
—
Garage
No
Pool

23 more homes for sale in Aberdeen →Search Aberdeen on the map

FEMA Zone XHOA $4/mo12,197 sqft lotSingle Family Residence2 stories

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,991
Property taxesest. at asking price, St. Johns County$719
HOAbilled annually$4
Estimated total, before insurance$3,714/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,544/yr · $629/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

$540,000
$108,000
Loan Term
Monthly Payment
$2,991
Principal & Interest: $2,991
Property taxes (est.): $719
Insurance (est.): $360
Estimated Total Monthly
$4,070
*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.

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

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

YearMarket valueTaxable valueChange
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: ~$8,600/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

  • Aug 19, 2026Closed$545,000
  • May 22, 2026Listed$545,000

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 $224/sq ft; this home is listed at $219/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
43 Cruden Bay Court, St. Johns, FL 32259Listed by BRIDGE & BEACON REAL ESTATE LLCSep 2026$440,000$2164/32,041420.2
121 Balmoral Castle Drive, St. Johns, FL 32259Listed by 1 REALTY CORPSep 2026$440,000$2294/21,923430.4
294 Grampian Highlands Drive, St. Johns, FL 32259Listed by RE/MAX SPECIALISTSAug 2026$452,000$2214/32,04150.4
544 Grampian Highlands Drive, St. Johns, FL 32259Listed by ASSIST2SELL BUYERS & SELLERS REALTYSep 2026$414,900$2244/21,850380.5
201 Granite City Avenue, St. Johns, FL 32259Listed by THE LEGENDS OF REAL ESTATESep 2026$515,000$2184/32,361610.5
79 Lochnagar Mountain Drive, St. Johns, FL 32259Listed by RELAX REALTY LLCSep 2026$429,000$2274/31,88650.6

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$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
StatusClosed
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
Community FeaturesSidewalks, Street Lights, Curbs
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

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchPatio
FencingBack Yard
RoofShingle
ConstructionFiber Cement

Additional Information

Date ListedMay 22, 2026
Days on Market36
HOA Fees$50 / Annually
HOA FrequencyAnnually
Tax Amount$7,544.02
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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.

The neighborhood

About Aberdeen

Aberdeen is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Aberdeen homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 19, 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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