This home is in Julington Creek, St. Johns.

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Pending

Pending·54 days on market·Julington Creek

4320 Rye Court

St. Johns, FL 32259

$575,000$247/sqftEst. $2,923/moMLS# 2147254

Beds

Baths

2,327

Sq Ft

2002

Built

Garage

Yes

Pool

About this home

Julington Creek

Welcome to your own private Florida retreat in the heart of highly desirable Julington Creek Plantation! Tucked away on a quiet cul-de-sac, this beautifully updated 4BR/2BA pool home offers the perfect combination of luxury, comfort, and resort-style outdoor living. The spacious open-concept floorplan features a dedicated office and elegant formal dining room, creating flexible space for working from home, entertaining, and everyday living. Step outside to your screened saltwater pool and spa covered lanai, all overlooking a newly fenced backyard with no rear neighbors for added privacy. Inside, you'll find a stunning updated primary bath with separate soaking tub and shower, granite kitchen countertops with pull-out shelving, brand new stainless steel appliances, updated hall bath tile, brand new primary bedroom carpet, and freshly painted dining room. Roof and HVAC are only a few years old. Located near top-rated St. Johns County schools including Durbin Creek Elementary an

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,923

Principal & Interest: $2,923

Property taxes (est.): $765

Insurance (est.): $383

Estimated Total Monthly

$4,071

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,923

Property taxesest. at asking price, St. Johns County$765

HOAbilled annually$48

Estimated total, before insurance$3,736/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Year	Market value	Taxable value	Change
2025	$423,186	$246,289	—
2024	$408,223	$238,640	—
2023	$412,379	$230,233	—
2022	$405,623	$222,071	—
2021	$306,914	$214,147	—
2020	$274,611	$210,500	—

2025 property taxes (current owner): $5,299/yr

Estimated taxes if purchased at asking price: ~$9,200/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.

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 2002)

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

Solar potential: ~1,588 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

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.

Features

Price$575,000

Price / Sq Ft$247

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,327

Acres0.21 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusPending

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

School Information

ElementaryDurbin Creek

MiddleFruit Cove

HighCreekside

Community Information

Address4320 Rye Court, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size9,147.6 sq ft

Parcel Number2495406580

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

ViewPool, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Ice Maker, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)

Spa FeaturesIn Ground, Heated