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This home is in Aberdeen, St. Johns.

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Active Under Contract

Active Under Contract·45 days on market·Aberdeen

1208 Castle Trail Drive

St. Johns, FL 32259

$615,000$246/sqftEst. $3,165/moMLS# 2147864

Beds

Baths

2,497

Sq Ft

2020

Built

Garage

Pool

About this home

Aberdeen

One-of-a-kind floor plan in the highly desirable Aberdeen community, situated on a spacious estate lot. This exceptional home features an open-concept design with an impressive in-law suite complete with its own living area and kitchenette, offering comfort and privacy for guests or multi-generational living. Enjoy outdoor living at its finest with a screened lanai, paver patio, and extended outdoor entertaining space. Inside, you'll find custom built-ins in the dining area, a separate breakfast nook in the kitchen, and double ovens for the home chef. The oversized primary suite offers a peaceful retreat, while tray ceilings add elegance to both the primary and guest suites. Additional highlights include a Jack-and-Jill bathroom, decorative board-and-batten accent walls in the laundry room with a folding station, a fully fenced backyard, and a three-car garage. With its unique layout, thoughtful upgrades, and exceptional outdoor space, this home truly has it all.

Cost to own

Mortgage calculator

Home Price

$615,000

Down Payment: 20%

$123,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,165

Principal & Interest: $3,165

Property taxes (est.): $818

Insurance (est.): $410

Estimated Total Monthly

$4,393

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$3,165

Property taxesest. at asking price, St. Johns County$818

HOAbilled annually$5

Estimated total, before insurance$3,989/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,641/yr · $553/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	$481,189	$232,827	—
2024	$477,008	$225,558	—
2023	$481,089	$217,532	—
2022	$417,346	$209,740	—
2021	$328,184	$202,175	—
2020	$67,000	$67,000	—

2025 property taxes (current owner): $6,641/yr

Estimated taxes if purchased at asking price: ~$9,800/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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,764 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.

History

Price & status history

Aug 10, 2026Active Under Contract$615,000
Jul 31, 2026Price change$615,000−$10,000
Jun 30, 2026Listed$625,000

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

Features

Price$615,000

Price / Sq Ft$246

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,497

Acres0.27 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address1208 Castle Trail Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionAberdeen

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size11,761.2 sq ft

Parcel Number0096810780

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Fitness Center, Playground

UtilitiesElectricity Connected, Sewer Connected

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Guest Suite, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup