Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Oxford Estates, St. Johns — a gated community home in St. Johns County.

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Active

Active·96 days on market·Oxford Estates

89 Trafford Court

St. Johns, FL 32259

$749,000$256/sqftEst. $3,851/moMLS# 2146986

Beds

Baths

2,930

Sq Ft

2024

Built

Garage

Pool

About this home

Oxford Estates

Welcome to the highly desirable community of Oxford Estates where comfort, style, and convenience come together beautifully. Situated on a large corner lot inside a gated community with NO CDD fees, this stunning home offers exceptional curb appeal from the moment you arrive. An extra-large driveway and spacious 3-car garage provide plenty of room for vehicles, storage, and guests. Step inside to discover a bright, open floor plan filled with natural light and thoughtfully designed living spaces perfect for both everyday living and entertaining. The expansive layout creates a seamless flow between the kitchen, dining, and living areas, making the home feel both inviting and functional. From the impressive exterior to the airy interior, every detail of this home is designed for comfortable Florida living. Whether you're hosting gatherings, enjoying quiet evenings at home, or simply appreciating the space and privacy of a premium corner lot, this property checks all the boxes.

Cost to own

Mortgage calculator

Home Price

$749,000

Down Payment: 20%

$149,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,851

Principal & Interest: $3,851

Property taxes (est.): $997

Insurance (est.): $499

Estimated Total Monthly

$5,347

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,851

Property taxesest. at asking price, St. Johns County$997

HOAbilled annually$104

Estimated total, before insurance$4,951/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,831/yr · $486/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: $1,240,000 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$616,152	$396,190	—
2024	$162,000	$162,000	—

2025 property taxes (current owner): $5,831/yr

Estimated taxes if purchased at asking price: ~$12,000/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 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,765 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

Aug 10, 2026Price change$749,000−$9,000
May 25, 2026Listed$758,000

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

Features

Price$749,000

Price / Sq Ft$256

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,930

Acres0.28 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryCunningham Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address89 Trafford Court, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionOxford Estates

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size12,196.8 sq ft

Parcel Number0023970080

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Gated, Maintenance Grounds, Playground

UtilitiesElectricity Connected, Natural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit