This home is in Southern Creek Townhomes, St. Johns.

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Active Under Contract

Active Under Contract·54 days on market·Southern Creek Townhomes

325 Southern Branch Lane

St. Johns, FL 32259

$294,900$197/sqftEst. $1,504/moMLS# 2148190

Beds

Baths

1,497

Sq Ft

2004

Built

Garage

Pool

About this home

Southern Creek Townhomes

Beautifully corner-unit townhome located in the highly sought-after Julington Creek Plantation community. This unique property offers an attached garage and two additional driveway parking spaces, providing convenience rarely found in townhome living. Freshly painted throughout the interior, this move-in-ready home has been tastefully updated with laminate flooring on both levels, including the staircase, creating a modern and cohesive feel. The updated kitchen features beautiful quartz countertops, newer LG appliances, newer AC and opens to comfortable living and dining spaces ideal for everyday living and entertaining. Step outside to enjoy the fully fenced backyard, offering privacy and a perfect space for pets, outdoor grilling, relaxing, or entertaining guests. As a corner unit, the home benefits from additional privacy and natural light throughout. Conveniently located near Publix, shopping, restaurants, and everyday conveniences

Cost to own

Mortgage calculator

Home Price

$294,900

Down Payment: 20%

$58,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,504

Principal & Interest: $1,504

Property taxes (est.): $392

Insurance (est.): $197

Estimated Total Monthly

$2,093

*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$1,504

Property taxesest. at asking price, St. Johns County$392

HOAbilled monthly$148

Estimated total, before insurance$2,044/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,689/yr · $224/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	$224,000	$97,202	—
2024	$224,516	$93,755	—
2023	$236,518	$89,568	—
2022	$218,192	$85,503	—
2021	$162,092	$81,556	—
2020	$154,396	$79,740	—

2025 property taxes (current owner): $2,689/yr

Estimated taxes if purchased at asking price: ~$4,700/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: material not specified — year not disclosed (home built 2004)

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: ~1,750 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