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This home is in Julington Creek, St. Johns — a waterfront home in St. Johns County.

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Active

Active·8 days on market·Julington Creek

3105 Bishop Estates Road

St. Johns, FL 32259

$2,950,000$540/sqftEst. $15,041/moMLS# 2146892

Beds

Baths

5,458

Sq Ft

2003

Built

Garage

Yes

Pool

About this home

Julington Creek

Freshly presented and move-in ready -- the wait was worth it. Welcome home!! Luxury waterfront living awaits in this stunning 5,285 SF all-brick estate situated on 2.7 private acres in highly desirable St. Johns County. This spacious home features 6 bedrooms, 5 full baths, 1 half bath, oversized windows, a grand fireplace, designer bar, and a gorgeous chef's kitchen. The expansive floor plan is ideal for entertaining and everyday living. Outdoor amenities include a screened-in pool, large patio, and outdoor kitchen overlooking scenic Durbin Creek. Enjoy a private two-slip boat dock with lifts and a beautiful seating area with navigable access to Julington Creek and the St. Johns River. Additional highlights include newer roof and AC systems, timeless brick construction, and a rare combination of privacy, acreage, and waterfront living. Note: Two Bedrooms are On-Suites with full bathrooms. 1,700 SF boathouse w/ 4 ceiling fans and (2) 8,500lb lifts, 12' x 70' covered patio.

Cost to own

Mortgage calculator

Home Price

$2,950,000

Down Payment: 20%

$590,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$15,041

Principal & Interest: $15,041

Property taxes (est.): $3,925

Insurance (est.): $1,967

Estimated Total Monthly

$20,933

*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$15,041

Property taxesest. at asking price, St. Johns County$3,925

HOAbilled annually$46

Estimated total, before insurance$19,012/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$21,532/yr · $1,794/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

Year	Market value	Taxable value	Change
2025	$1,426,860	$1,426,860	—
2024	$1,388,279	$1,366,947	—
2023	$1,353,664	$1,242,679	—
2022	$1,222,060	$1,129,708	—
2021	$1,027,007	$1,027,007	▲ $15,685
2020	$1,028,284	$1,028,284	—

2024 property taxes (current owner): $21,532/yr

Estimated taxes if purchased at asking price: ~$47,100/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2003)

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 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

Jul 25, 2026Active$2,950,000
Jul 7, 2026Withdrawn$2,950,000
Jun 23, 2026Listed$2,950,000

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

Features

Price$2,950,000

Price / Sq Ft$540

Bedrooms6

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage5,458

Total Structure Area7,362 sq ft

Acres2.71 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontYes

Direction FacesWest

Community Information

Address3105 Bishop Estates Road, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size118,047.6 sq ft

Parcel Number2498300250

ZoningResidential

Amenities

AmenitiesOther

UtilitiesCable Available, Electricity Connected, Sewer Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking

ViewPool

Waterfront TypeCreek, Navigable Water, River Access

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar, Wine Cellar

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Water Heater, Gas Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Leased