This home is in Grand Creek North, Jacksonville — a home near Bartram Trail High School.
Sold·Closed Aug 14, 2026·8 days on market·Recent sales in Grand Creek North·Grand Creek North
395 Brown Bear
Jacksonville, FL 32259
3 more homes for sale in Grand Creek North →Search Grand Creek North on the map
About this home
Grand Creek North
Welcome to this beautifully upgraded home located in the highly sought-after Grand Creek community in St. Johns. Backing to peaceful preserve views with ample privacy, this home offers the perfect blend of comfort, functionality, and Florida outdoor living. Inside, you'll find thoughtful upgrades throughout including updated light fixtures, custom backsplash accents, and a spacious 3-car garage. The extended lanai creates the ideal setting for entertaining or relaxing while overlooking your backyard garden oasis featuring growing plum, plantain, banana, and tangerine trees. A rare opportunity awaits qualified buyers with an assumable VA loan at an incredible 2.5% interest rate, offering substantial long-term savings in today's market. As an added bonus, nearly all furniture can convey with a strong offer, excluding the primary bedroom furniture, making this an exceptional move-in-ready opportunity.
Next steps in Grand Creek North
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.
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 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,699 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $415,806 | $305,191 | — |
| 2024 | $410,645 | $295,882 | — |
| 2023 | $391,931 | $285,808 | — |
| 2022 | $345,604 | $276,027 | — |
| 2021 | $65,000 | $65,000 | — |
2025 property taxes (current owner): $4,606/yr
Estimated taxes if purchased at asking price: ~$8,100/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
- Aug 14, 2026Closed$510,000
- May 30, 2026Listed$510,000
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 $244/sq ft; this home is listed at $225/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 36 Renew Court, St. Johns, FL 32259Listed by ROUND TABLE REALTY | Sep 2026 | $540,000 | $229 | 4/2.5 | 2,360 | 59 | 0.1 |
| 32 Ren Way, St. Johns, FL 32259Listed by HERRON REAL ESTATE LLC | Sep 2026 | $435,000 | $215 | 4/3 | 2,027 | 168 | 0.2 |
| 186 Ladyslipper Drive, St. Johns, FL 32259Listed by EXP REALTY LLC | Sep 2026 | $480,000 | $256 | 2/2 | 1,876 | 24 | 0.3 |
| 383 Ladyslipper Drive, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $457,000 | $244 | 2/2 | 1,876 | 60 | 0.4 |
| 351 Ladyslipper Drive, St. Johns, FL 32259Listed by REAL BROKER LLC | Aug 2026 | $450,000 | $240 | 2/2 | 1,876 | 80 | 0.4 |
| 84 Pigeon Cove, St. Johns, FL 32259Listed by EXP REALTY LLC | Oct 2026 | $472,000 | $252 | 2/2 | 1,876 | 95 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PUBLIC SERVICES REALTY
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.
The neighborhood
About Grand Creek North
Grand Creek North is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 14, 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
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