This home is in St Johns Forest, St. Johns.

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Active

Active·47 days on market·St Johns Forest

104 Moselle Lane

St. Johns, FL 32259

$624,999$224/sqftEst. $3,327/moMLS# 2147816

Beds

Baths

2,790

Sq Ft

2012

Built

Garage

Pool

About this home

St Johns Forest

Welcome to your new home in Gate Community, St. Johns County! This beautiful house is ready for you to move in. It's just a short walk from the shopping center and conveniently located near Beachside High School.

Cost to own

Mortgage calculator

Home Price

$624,999

Down Payment: 20%

$125,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,157

Principal & Interest: $3,157

Est. Taxes & Insurance: $789

Estimated Total Monthly

$3,946

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,327

Property taxesest. at asking price, St. Johns County$832

HOAbilled quarterly$254

Estimated total, before insurance$4,412/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	$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: ~$10,000/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.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 29, 2026Listed$624,999

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$624,999

Price / Sq Ft$224

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

ElementaryLiberty Pines Academy

HighBeachside

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