This home is in Grand Creek North, St. Johns.

1 / 52

Active

Active·59 days on market·Grand Creek North

45 Gan Way

St. Johns, FL 32259

$568,850$214/sqftEst. $2,900/moMLS# 2147953

Beds

Baths

2,660

Sq Ft

2022

Built

Garage

Pool

About this home

Grand Creek North

HUGE PRICE REDUCED!! Welcome to 45 Gan Way in the highly sought-after Grand Creek North community in St.Johns! NO CDD FEE! Owner spent over 30k on upgrades! including fully paved and fully fenced backyard. This beautifully well maintained 4-bedroom+Flex room, 3-bath home offers over 2660 square feet of thoughtfully designed living space, combining modern comfort with exceptional outdoor living. Situated on a premium pond-view lot. Step outside to a fully fenced backyard featuring an expansive fully paved outdoor space--perfect for entertaining, family gatherings, outdoor dining, or simply relaxing while taking in the serene pond views. Inside, the home showcases spacious living areas, an open-concept layout, and contemporary finishes throughout. Additional upgrades include a whole-house water softener system for enhanced water quality and an epoxy-coated garage floor. Don't miss this opportunity to own a move-in-ready home with premium upgrades and beautiful water views

Cost to own

Mortgage calculator

Home Price

$568,850

Down Payment: 20%

$113,770

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,900

Principal & Interest: $2,900

Property taxes (est.): $757

Insurance (est.): $379

Estimated Total Monthly

$4,037

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,900

Property taxesest. at asking price, St. Johns County$757

HOAbilled semi-annually$104

Estimated total, before insurance$3,761/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,688/yr · $557/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

Last sold: $465,500 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$471,778	$471,778	—
2024	$449,974	$449,974	—
2023	$429,555	$429,555	—
2022	$78,400	$78,400	—

2025 property taxes (current owner): $6,688/yr

Estimated taxes if purchased at asking price: ~$9,100/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.

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 2022)

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

Solar potential: ~1,734 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