This home is in St. Johns — a pool home in St. Johns County.
$1,200,000Sold4 bd · 3 ba · 3,147 sq ft
Sold·Closed Nov 2, 2026·111 days on market·Recent sales in St. Johns County
104 Belmont Drive
St. Johns, FL 32259
About this home
St. Johns
A PRIVATE 2.53-ACRE ESTATE IN WHITELOCK FARMS. Discover a rare opportunity to enjoy privacy, space and an exceptional outdoor lifestyle in the sought-after equestrian community. Surrounded by mature trees this elegant all brick estate offers the feeling of a private country retreat while remaining conveniently located in St. Johns. The property features a screened heated saltwater pool and spa, and a fully equipped summer kitchen overlooking a beautifully landscaped, park-like setting. The single-story residence offers 4 bedrooms and 3 full baths with an open layout. the family room, anchored by a gas fireplace, provides a natural gathering space, while the kitchen features granite countertops, custom cabinetry and an eat-in area. The primary suite offers dual closets, custom built-ins, garden tub and walk-in shower. Two bedrooms share a jack-and-jill bath, and the fourth provides flexibility for guest, family or an office. An attached 3-car garage is complemented by a detached 2-car
Next steps in St. Johns County
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).
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).
Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.
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 2003)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,592 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (south)about 16 mi · 94 parking spaces
Closest park or preserve
Alpine Groves Parkabout 5 mi · 1 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 4 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 5 mi · St. Johns River
Closest youth league fields
Aberdeen Parkabout 4 mi · Baseball, Football, Lacrosse, Softball, Track, Soccer
Closest grocery store
Publixabout 2 mi · 205 Rivertown Shops Dr, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $761,913 | $761,913 | — |
| 2024 | $795,729 | $774,174 | — |
| 2023 | $786,305 | $703,795 | — |
| 2022 | $731,448 | $639,814 | — |
| 2021 | $591,367 | $581,649 | — |
| 2020 | $528,772 | $528,772 | — |
2025 property taxes (current owner): $10,596/yr
Estimated taxes if purchased at asking price: ~$19,200/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
- Nov 2, 2026Closed$1,395,000
- Sep 23, 2026Pending$1,395,000
- May 31, 2026Listed$1,395,000
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 $250/sq ft; this home is listed at $381/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 156 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Oct 2026 | $539,999 | $239 | 4/2.5 | 2,257 | 33 | 0.7 |
| 135 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Oct 2026 | $564,499 | $250 | 4/2.5 | 2,257 | 99 | 0.7 |
| 57 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Sep 2026 | $530,000 | $235 | 4/2.5 | 2,257 | 108 | 0.7 |
| 128 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Aug 2026 | $571,499 | $253 | 4/2.5 | 2,257 | 116 | 0.8 |
| 21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLC | Sep 2026 | $580,000 | $236 | 4/3 | 2,461 | 78 | 1.1 |
| 1026 Glenneyre Circle, St. Augustine, FL 32092Listed by SAVVY AVENUE, LLC. | Oct 2026 | $1,010,000 | $292 | 5/4.5 | 3,456 | 65 | 1.2 |
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: CB ISAAC REALTY
Sold by: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE (buyer's brokerage)
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Nov 2, 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
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