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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St Johns Forest, St. Johns — a home near Beachside High School.

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Active

Active·137 days on market·St Johns Forest

104 Moselle Lane

St. Johns, FL 32259

$559,999$201/sqftEst. $3,102/moMLS# 2147816
↓ $65,000 below original listOpen house Sat, Oct 17 · 3:00 pm–5:00 pm
4
Beds
3
Baths
2,790
Sq Ft
2012
Built
3
Garage
No
Pool

8 more homes for sale in St Johns Forest →Search St Johns Forest on the map

FEMA Zone XHOA $254/moSingle Family Residence1 story

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St Johns Forest

Welcome to your new home for sale in the gated community of St. Johns Forest! This stunning home features a freshly painted interior, offering a clean, refreshed space that's ready for you to move in and start making memories. Conveniently located near Durbin Pavilion, UF health and Beachside High School. This home combines comfort, convenience, and a great location. Don't miss the opportunity to make this beautiful house your new home!

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,102
Property taxesest. at asking price, St. Johns County$745
HOAbilled quarterly$254
Estimated total, before insurance$4,101/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$559,999
$112,000
Loan Term
Monthly Payment
$3,102
Principal & Interest: $3,102
Property taxes (est.): $745
Insurance (est.): $373
Estimated Total Monthly
$4,220
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2012)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

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 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$519,182$361,308—
2024$522,750$522,750—
2023$526,520$262,215—
2022$440,383$253,121—
2021$322,794$244,292—
2020$291,767$240,229—

Estimated taxes if purchased at asking price: ~$8,900/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

  • Sep 4, 2026Price change$559,999−$40,000
  • Jul 30, 2026Price change$599,999−$25,000
  • May 29, 2026Listed$624,999

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 $242/sq ft; this home is listed at $201/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
191 S Arabella Way, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNSAug 2026$650,000$2505/3.52,602290.2
3451 Babiche Street, St. Johns, FL 32259Listed by HERRON REAL ESTATE LLCAug 2026$518,000$2373/22,18370.8
4352 Comanche Trail Boulevard, St. Johns, FL 32259Listed by WATSON REALTY CORPAug 2026$448,000$2154/22,088900.8
2535 Cimarrone Boulevard, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$884,000$2615/43,39011
4248 Leaping Deer Lane, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$480,000$2423/21,985811
275 Flores Way, St. Johns, FL 32259Listed by RE/MAX SPECIALISTSSep 2026$725,000$2414/33,003241

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

Price$559,999
Price / Sq Ft$201
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,790
Year Built2012
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionFixer
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

Zoned elementaryLiberty Pines Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryLiberty Pines Academy
Reported highBeachside
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address104 Moselle Lane, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionSt Johns Forest
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0263341460

Amenities

UtilitiesCable Available, Natural Gas Connected, Sewer Connected, Water Connected
SewerPrivate Sewer
Water SourcePublic
ParkingAttached
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)
AppliancesConvection Oven, Double Oven, Gas Cooktop, Gas Oven, Gas Range, Microwave
HeatingNatural Gas
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne
LaundryGas Dryer Hookup, In Unit
Spa FeaturesHeated, Community

Exterior

Lot DescriptionWooded
Patio / PorchCovered, Screened
RoofShingle
ConstructionBlock, Stucco

Additional Information

Date ListedMay 29, 2026
Days on Market135
HOA Fees$762 / Quarterly
HOA FrequencyQuarterly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ERA ONETEAM 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 St Johns Forest

St Johns Forest is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all St Johns Forest homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

10/17/2026

3:00 pm - 5:00 pm