This home is in Bartram Ranch, St. Johns.

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Active

Active·55 days on market·Bartram Ranch

99 Sapling Terrace

St. Johns, FL 32259

$923,000$318/sqftEst. $4,913/moMLS# 2146738

Beds

Baths

2,905

Sq Ft

2026

Built

Garage

Pool

About this home

Bartram Ranch

Luxury Living Awaits in This Stunning Toll Brothers Samuel Home Design! Discover the perfect blend of elegance and modern comfort in this beautifully designed home featuring 4 bedrooms, 3.5 baths, and 2,905 square feet of thoughtfully crafted living space. Step inside through the grand foyer with soaring ceilings that open into a spacious great room filled with abundant natural light. The gourmet kitchen is a chef's dream, showcasing stainless steel KitchenAid appliances, quartz countertops, and a large center island perfect for entertaining family and friends. The luxurious primary suite offers a private retreat complete with a spa-inspired ensuite bath and an oversized walk-in closet. Additional bedrooms provide plenty of space for family or guests, while the versatile home office adds flexibility to fit your lifestyle. Located within a prestigious community offering resort-style amenities, this exceptional home provides convenient access to top-rated schools and shopping.

Cost to own

Mortgage calculator

Home Price

$923,000

Down Payment: 20%

$184,600

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,691

Principal & Interest: $4,691

Est. Taxes & Insurance: $1,173

Estimated Total Monthly

$5,864

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$4,913

Property taxesest. at asking price, St. Johns County$1,228

HOAbilled monthly$195

Estimated total, before insurance$6,336/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	$165,000	$165,000	—
2024	$70,000	$70,000	—

2025 property taxes (current owner): $2,222/yr

Estimated taxes if purchased at asking price: ~$14,700/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: material not specified — year not disclosed (home built 2026)

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

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$923,000

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

Features

Price$923,000

Price / Sq Ft$318

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,905

Acres0.29 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryHickory Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address99 Sapling Terrace, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionBartram Ranch

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size12,632.4 sq ft

Parcel Number0006902170

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Available, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener