This home is in St. Johns — a pool home in St. Johns County.
Sold·Closed Jul 21, 2026·19 days on market·Recent sales in St. Johns County
195 Stone Creek Circle
St. Johns, FL 32259
About this home
St. Johns
Luxury Living in an Exclusive Gated Community with Resort-Style Backyard Welcome to this beautifully upgraded 4-bed, 3-full bath home located in one of the area's most desirable gated communities with only 44 homes. From the oversized living spaces to the incredible outdoor entertaining areas, this home was designed for comfort, functionality, and modern luxury. Step inside and immediately notice the custom LVP flooring, upgraded lighting, designer ceiling fans from Dan's Fan City, and spacious open layout perfect for both everyday living and entertaining. The oversized primary suite offers a true retreat with large walk-in closets and spa-like comfort, while every bedroom features oversized walk-in closets providing exceptional storage throughout. 5th bedroom is currentlly being used as a media room! The chef-inspired kitchen is loaded with upgrades including a propane gas stove, instant hot water heater, and easy flow into the main living areas and backyard entertainment space
Next steps in St. Johns County
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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,610 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 homeThis 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $612,855 | $413,094 | — |
| 2024 | $600,779 | $400,744 | — |
| 2023 | $586,324 | $387,616 | — |
| 2022 | $599,431 | $374,870 | — |
| 2021 | $438,637 | $362,495 | — |
| 2020 | $399,458 | $315,079 | — |
2025 property taxes (current owner): $6,059/yr
Estimated taxes if purchased at asking price: ~$12,800/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 22, 2026Closed$800,000
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 $232/sq ft; this home is listed at $249/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2625 Tunbridge Lane, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $825,000 | $221 | 5/4 | 3,729 | 59 | 0.6 |
| 41 Palisade Drive, St. Augustine, FL 32092Listed by CASTILLO REAL ESTATE JAX | Sep 2026 | $590,000 | $217 | 4/3 | 2,723 | 88 | 0.8 |
| 43 Laurel Gate Lane, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $547,500 | $232 | 4/2.5 | 2,357 | 0 | 0.8 |
| 513 Wetherby Lane, St. Augustine, FL 32092Listed by KELLER WILLIAMS ST JOHNS | Sep 2026 | $643,500 | $199 | 5/4 | 3,229 | 3 | 0.9 |
| 115 Windley Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $625,000 | $253 | 4/3 | 2,473 | 13 | 1.1 |
| 94 Blue River Drive, St. Augustine, FL 32092Listed by RICK WOOD & ASSOCIATES INC | Sep 2026 | $859,900 | $274 | 4/3 | 3,140 | 126 | 1.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: NAVY TO NAVY HOMES LLC
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 21, 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