This home is in Julington Creek, St. Johns.

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Active

Active·65 days on market·Julington Creek

742 Ginger Mill Drive

St. Johns, FL 32259

$225,000$223/sqftEst. $1,147/moMLS# 2146619

Beds

Baths

1,008

Sq Ft

2005

Built

—

Garage

Pool

About this home

Julington Creek

Welcome to Riverside at Julington Creek Plantation, one of Fruit Cove's most desirable private gated townhouse communities. This one-story Mediterranean-style townhome offers peaceful preserve and pond views, spacious living areas, soaring ceilings, wood-look flooring, and an open kitchen with granite countertops, breakfast bar, and ample cabinet space. Enjoy a private fenced patio surrounded by lush tropical landscaping and tranquil natural scenery. HOA includes landscaping, exterior maintenance, and pest control for easy, low-maintenance living. Riverside residents enjoy a community pool and playground, along with access to Julington Creek Plantation's resort-style amenities, including multiple pools, a splash park, a skate park, volleyball and basketball courts, and miles of walking, running, and biking paths. Located in St. Johns County's top-rated school district and close to shopping, dining, and the beaches.

Cost to own

Mortgage calculator

Home Price

$225,000

Down Payment: 20%

$45,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,147

Principal & Interest: $1,147

Property taxes (est.): $299

Insurance (est.): $150

Estimated Total Monthly

$1,597

*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$1,147

Property taxesest. at asking price, St. Johns County$299

HOAbilled monthly$288

Estimated total, before insurance$1,735/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,407/yr · $284/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

Last sold: $250,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$201,240	$150,518	—
2024	$200,454	$150,454	—
2023	$174,943	$153,502	—
2022	$167,141	$139,547	—
2021	$126,861	$126,861	—
2020	$122,635	$119,078	—

2025 property taxes (current owner): $3,407/yr

Estimated taxes if purchased at asking price: ~$3,600/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.

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 2005)

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: ~1,748 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.

History

Price & status history

May 22, 2026Listed$225,000

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

Features

Price$225,000

Price / Sq Ft$223

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,008

Total Structure Area1,180 sq ft

Acres0.05 acres

Year Built2005

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryJulington Creek

MiddleFruit Cove

HighCreekside

Community Information

Address742 Ginger Mill Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size2,178 sq ft

Parcel Number2495540253

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Security, Shuffleboard Court, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned

ViewPond, Protected Preserve

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate