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Active

Active·67 days on market

0 Myron Court

St. Johns, FL 32259

$189,900Est. $968/moMLS# 2147204

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

St. Johns

The out of town owner did ALL the work needed to build on this lot & the one next door, but now cannot move here. His loss is your gain! This platted Lot 3 is in the Swiss Oaks subdivision at the cul-de-sac. Fantastic St. Johns County Schools and Alpine Groves River Park only 2 streets away. Look for the RED STAKES marking the edge of the permitted construction when you visit the property. A deck can extend past the red stakes. DEP/ACOE permits previously obtained & FEMA letter to remove from flood zone. A conventional septic system for 4 bedroom, 3300 SF house is allowed! Yea! FYI: lot slopes 5 to 7% to small creek for maximum privacy. Perfect set-up for split level house like the one across the creek. No conservation easement, No CDD and NO HOA! Only 4 miles from Duval County.

Cost to own

Mortgage calculator

Home Price

$189,900

Down Payment: 20%

$37,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$968

Principal & Interest: $968

Property taxes (est.): $253

Insurance (est.): $127

Estimated Total Monthly

$1,348

*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$968

Property taxesest. at asking price, St. Johns County$253

Estimated total, before insurance$1,221/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.

Cost to own

Taxes & assessment

Last sold: $185,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$158	$158	—
2024	$158	$158	—
2023	$158	$158	—
2022	$3,150	$3,150	—
2021	$3,150	$3,150	—
2020	$3,150	$3,150	—

Estimated taxes if purchased at asking price: ~$3,000/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.

Hurricane evacuation zone A

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

Roof: material not specified

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,281 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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