This home is in Aberdeen, St. Johns.
Active Under Contract·39 days on market·Aberdeen
104 Morayshire Court
St. Johns, FL 32259
About this home
Aberdeen
PRICED UNDER APPRAISED VALUE. This fabulous Northwest St. Johns County home is ready for your fresh design. The living room has a custom built-in feature that makes it ideal for a home office. Adjacent to the living room is a formal dining area with convenient kitchen access. The spacious kitchen opens directly into the great room and offers ample space for a breakfast table, or add a coffee bar, a beverage cooler, and a bistro table for your own quaint cafe. Additional features include granite kitchen counters, a pantry for extra storage, engineered-wood floors, a split-bedroom layout for a private owner's suite, a three-car garage, a fenced backyard, an irrigation system, and a quiet cul-de-sac location. The roof was replaced in 2020, and the HVAC appears to have been updated in 2023. The CDD bond assessment is paid in full. Annual Operating & Maintenance fees are collected on the property tax bill.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
Last sold: $470,000 in April 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $397,222 | $397,222 | — |
| 2024 | $397,732 | $397,732 | — |
| 2023 | $401,748 | $174,618 | — |
| 2022 | $355,038 | $168,076 | — |
| 2021 | $267,188 | $161,724 | — |
| 2020 | $247,391 | $158,801 | — |
2025 property taxes (current owner): $6,674/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: Shingle — 2020 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,785 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.
History
Price & status history
- Jul 23, 2026Active Under Contract$455,900
- Jul 3, 2026Listed$455,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Aberdeen
Aberdeen is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Aberdeen homes for sale →Listing Courtesy of: SET YOUR ANCHOR REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Aberdeen
Active Under Contract$459,000MLS# 2152039Est. $2,443/mo294 Grampian Highlands Drive, St. Johns, FL 322594 Beds3 Baths2,041 sqftBeautiful split, 4 br, 3 bath home situated on a private preserve. The open concept features a spacious kitchen…
ResidentialRE/MAX SPECIALISTS
Pending$449,000MLS# 2148839Est. $2,390/mo121 Balmoral Castle Drive, St. Johns, FL 322594 Beds2 Baths1,923 sqftWelcome to 121 Balmoral Castle Drive! This beautifully maintained home offers a VA assumable mortgage at 2.75%, a…
ResidentialONE REALTY CORP
Active$445,000MLS# 2153608Est. $2,368/mo43 Cruden Bay Court, St. Johns, FL 322594 Beds3 Baths2,041 sqftDiscover the perfect blend of privacy, location, and functionality in this 4-bedroom, 3-bath home in Sutherland Forest…
ResidentialBRIDGE & BEACON REAL ESTATE LLC
Active$440,000MLS# 2156981Est. $2,342/mo157 Balmoral Castle Drive, St. Johns, FL 322593 Beds2 Baths1,709 sqftWelcome to this beautifully maintained 3-bedroom, 2-bath home, built in 2019 and located in the desirable Aberdeen…
ResidentialNORTH FLORIDA REAL ESTATE PARTNERS INC
Keep looking
Similar homes in St. Johns
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines