Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

1 / 51

Active

Active·57 days on market·Grand Creek North

549 Brown Bear Run

St. Johns, FL 32259

$455,000$214/sqftEst. $2,320/moMLS# 2148408

Beds

Baths

2,124

Sq Ft

2022

Built

Garage

Pool

About this home

Grand Creek North

Welcome to549 Brown Bear Run, Preserve Views, No CDD & the Best of Northeast Florida Living Discover the perfect place to put down roots in Grand Creek North, one of St. Johns County's most desirable communities. With no CDD fees, a warm family-friendly atmosphere, and an unbeatable location between Jacksonville and historic St. Augustine, this neighborhood checks every box before you even step inside. Built in 2022 and set on a generous quarter-acre lot backing to a serene natural preserve, this thoughtfully designed single-story home offers the privacy, space, and modern finishes today's buyers are looking for. With 3 bedrooms, 2 bathrooms, a dedicated home office, and a versatile flex room, there is room here for every stage of life whether you are growing a family, working from home, or simply craving space to spread out and breathe.

Cost to own

Mortgage calculator

Home Price

$455,000

Down Payment: 20%

$91,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,320

Principal & Interest: $2,320

Property taxes (est.): $605

Insurance (est.): $303

Estimated Total Monthly

$3,229

*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$2,320

Property taxesest. at asking price, St. Johns County$605

HOAbilled semi-annually$102

Estimated total, before insurance$3,027/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,916/yr · $410/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: $447,500 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$379,744	$328,197	—
2024	$374,686	$318,240	—
2023	$357,515	$307,515	—
2022	$78,400	$78,400	—

2025 property taxes (current owner): $4,916/yr

Estimated taxes if purchased at asking price: ~$7,300/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 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