This home is in Oxford Estates, St. Johns — a pool home in St. Johns County.
Sold·Closed Jul 10, 2026·40 days on market·Recent sales in Oxford Estates·Oxford Estates
97 White Horse Way
St. Johns, FL 32259
6 more homes for sale in Oxford Estates →Search Oxford Estates on the map
About this home
Oxford Estates
Located in the highly sought after gated community of Oxford Estates in St. Johns County with no CDD fees and zoned for top rated schools, this beautifully designed pool home offers the perfect blend of luxury, function, and everyday living. Featuring 5 bedrooms, 3 bathrooms, a private office, flex room, and 3 car garage, the home showcases exceptional craftsmanship throughout with LVP flooring, custom molding and trim work, wood beams, designer barn doors, and elevated finishes at every turn. The chef's kitchen features quartz countertops, double ovens, gas cooktop, oversized island, custom pantry, and abundant cabinetry overlooking the spacious living and dining areas. The primary suite offers tray ceilings, a spa inspired super shower, and oversized custom walk in closet. Additional features include a customized laundry room, mudroom, Jack and Jill bedrooms, tankless water heater, water softener, and permanent eave lighting.
Next steps in Oxford Estates
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2022)
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: ~1,735 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 homeAs 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: $610,100 in March 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $700,066 | $612,305 | — |
| 2024 | $603,372 | $532,436 | — |
| 2023 | $568,872 | $515,472 | — |
| 2022 | $128,800 | $110,000 | — |
| 2021 | $100,000 | $100,000 | — |
2025 property taxes (current owner): $8,742/yr
Estimated taxes if purchased at asking price: ~$13,400/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 15, 2026Closed$850,000
- May 28, 2026Listed$850,000
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 $237/sq ft; this home is listed at $264/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 207 Hertford Bridge Way, St. Johns, FL 32259Listed by REDFIN CORPORATION | Aug 2026 | $805,000 | $275 | 4/3 | 2,930 | 7 | 0.2 |
| 146 Clarendon Road, St. Johns, FL 32259Listed by ASSIST2SELL FULL SERVICE REALTY LLC. | Sep 2026 | $675,000 | $237 | 4/3 | 2,846 | 42 | 0.3 |
| 487 S Aberdeenshire Drive, St. Johns, FL 32259Listed by HOVER GIRL PROPERTIES | Sep 2026 | $495,000 | $144 | 5/3 | 3,428 | 55 | 1.1 |
| 483 S Aberdeenshire Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $415,000 | $181 | 4/3 | 2,288 | 219 | 1.1 |
| 121 Winterberry Court, St. Johns, FL 32259Listed by ROUND TABLE REALTY | Aug 2026 | $505,000 | $224 | 4/3 | 2,259 | 4 | 1.4 |
| 544 Cunningham Hollow Way, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $585,000 | $257 | 4/2 | 2,275 | 2 | 1.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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 Oxford Estates
Oxford Estates is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Oxford Estates homes for sale →Keep looking
More homes in Oxford Estates
For Sale515 Oxford Estates WaySt. Johns, FL 32259
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$849,500Est. $4,521/moMake a splash in this beautiful David Weekley-built pool home, located in the highly desirable gated community of…
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For Sale588 Oxford Estates WaySt. Johns, FL 32259
5 bd · 4.5 ba · 3,943 sq ft
$839,000Est. $4,466/moSome homes are all about the view. This one delivers a lifestyle to match. Set on a quiet cul-de-sac in gated Oxford…
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For Sale304 Oxford Estates WaySt. Johns, FL 32259
4 bd · 3.5 ba · 3,565 sq ft
$899,900Est. $4,790/moBack on the market (no fault of Seller) Oxford Estates is a gated community that buyers moving up tend to stay in…
Listing Office: christie's international real estate first coast
For Sale195 Manor LaneSt. Johns, FL 32259
4 bd · 3.5 ba · 3,305 sq ft
$769,000Est. $4,093/moWelcome to this immaculate 4BR, 3.5BA home in the Gated Community/Oxford Estates with 2 spacious bonus rooms--perfect…
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 10, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines