This home is in Julington Creek, St. Johns.

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Pending

Pending·60 days on market·Julington Creek

347 Redwood Lane

St. Johns, FL 32259

$205,000$203/sqftEst. $1,045/moMLS# 2147307

Beds

Baths

1,008

Sq Ft

2005

Built

—

Garage

Pool

About this home

Julington Creek

Move in ready townhouse located in the highly desirable Julington Creek Plantation community! This well-maintained home features brand new appliances including range/oven, microwave, dishwasher, and refrigerator, along with a newly paved driveway and brand-new smoke detectors. The AC and roof were replaced in 2021, and the water heater was replaced in 2018. The home is filled with bright natural light and enjoys a pleasant breeze thanks to its desirable location. Relax and unwind with a peaceful pond view from the back of the property. The spacious driveway offers room to park two cars outside the townhouse. The Riverside subdivision features its own community pool and kids' playground, while residents also enjoy access to the incredible Julington Creek Plantation amenities, including resort style pools, fitness center, sports courts, playgrounds, and the new JCP aquatic center, Tide Club. Conveniently located near shopping, dining, and top-rated St. Johns County schools.

Cost to own

Mortgage calculator

Home Price

$205,000

Down Payment: 20%

$41,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,045

Principal & Interest: $1,045

Property taxes (est.): $273

Insurance (est.): $137

Estimated Total Monthly

$1,455

*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$1,045

Property taxesest. at asking price, St. Johns County$273

HOAbilled monthly$288

Estimated total, before insurance$1,606/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,681/yr · $140/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	$179,018	$22,416	—
2024	$179,823	$20,936	—
2023	$175,703	$20,000	—
2022	$167,886	$24,500	—
2021	$127,531	$24,500	—
2020	$123,273	$24,500	—

2025 property taxes (current owner): $1,681/yr

Estimated taxes if purchased at asking price: ~$3,300/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 2005)

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

Solar potential: ~1,759 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.