This home is in Grand Creek North, St. Johns — a home near Bartram Trail High School.
Active·151 days on market·Grand Creek North
45 Gan Way
St. Johns, FL 32259
2 more homes for sale in Grand Creek North →Search Grand Creek North on the map
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About this home
Grand Creek North
HUGE PRICE REDUCED!! Price to sale! Seller is offering 1% closing cost to buyers with an acceptable offer! 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.
Next steps in Grand Creek North
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 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 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.
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 17 mi · 94 parking spaces
Closest park or preserve
Alpine Groves Park13 min drive · 1 mi of trails
Closest public boat ramp
Old Shand's Bridge Public Boat Ramp (shallow water)about 3 mi · St. Johns River
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 5 mi · St. Johns River
Closest youth league fields
Rivertown II Athletic Complex12 min drive · Soccer, Baseball, Basketball, Football, Pickleball, Softball
Closest grocery store
Publix8 min drive · 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:39 AM, sunset 6:41 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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: ~$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
- Aug 19, 2026Price change$558,000−$10,850
- Jul 20, 2026Price change$568,850−$21,100
- May 31, 2026Listed$589,950
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 $256/sq ft; this home is listed at $210/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 32 Ren Way, St. Johns, FL 32259Listed by HERRON REAL ESTATE LLC | Sep 2026 | $435,000 | $215 | 4/3 | 2,027 | 168 | 0.1 |
| 36 Renew Court, St. Johns, FL 32259Listed by ROUND TABLE REALTY | Sep 2026 | $540,000 | $229 | 4/2.5 | 2,360 | 59 | 0.1 |
| 186 Ladyslipper Drive, St. Johns, FL 32259Listed by EXP REALTY LLC | Sep 2026 | $480,000 | $256 | 2/2 | 1,876 | 24 | 0.3 |
| 383 Ladyslipper Drive, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $457,000 | $244 | 2/2 | 1,876 | 60 | 0.5 |
| 76 Slip Cove, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC | Oct 2026 | $755,270 | $343 | 3/2.5 | 2,200 | 1 | 0.6 |
| 361 Pelton Place, St. Johns, FL 32259Listed by EXP REALTY LLC | Oct 2026 | $535,000 | $280 | 2/2 | 1,914 | 29 | 0.6 |
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: EXP REALTY LLC
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 Grand Creek North
Grand Creek North is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines