This home is in Stillwater, St. Johns.

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Active

Active·55 days on market·Stillwater

1401 Stillwater Boulevard

St. Johns, FL 32259

$649,800$321/sqftEst. $3,313/moMLS# 2148707

Beds

Baths

2,027

Sq Ft

2023

Built

Garage

Yes

Pool

About this home

Stillwater

A truly unique opportunity in the highly sought after 55+ community of Stillwater Golf & CC. The monthly dues include your golf membership, lawn maintenance and pest control. This special home stands apart as one of the only pool homes available. Imagine floating in your pool or hot tub while taking in the breathtaking views of water, preserve and the 14th hole. This pristine, lightly lived in home features Lennar's popular Trevi floor plan, offering 3 bedrooms, 3 full baths and a dedicated office/flex room. Life in Stillwater is unlike any other active adult community in NE Florida. Residents enjoy a championship Bobby Weed designed golf course, resort like pool, pickleball, bocce ball and Toptracer driving range technology. The clubhouse with wine lounge offers incredible daily food specials and a full calendar of elevated social events and activities. Conveniently located near shopping, dining and healthcare, St Augustine, beautiful beaches and downtown Jacksonville.

Cost to own

Mortgage calculator

Home Price

$649,800

Down Payment: 20%

$129,960

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,313

Principal & Interest: $3,313

Property taxes (est.): $865

Insurance (est.): $433

Estimated Total Monthly

$4,611

*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$3,313

Property taxesest. at asking price, St. Johns County$865

HOAbilled monthly$711

Estimated total, before insurance$4,889/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,563/yr · $797/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: $531,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$472,641	$421,919	—
2024	$442,684	$392,684	—
2023	$100,000	$100,000	—

2025 property taxes (current owner): $9,563/yr

Estimated taxes if purchased at asking price: ~$10,400/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 2023)

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

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

Price & status history

Jul 24, 2026Price change$649,800−$100
Jun 4, 2026Listed$649,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$649,800

Price / Sq Ft$321

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,027

Acres0.14 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Gas Heat, Heated, Salt Water, Screen Enclosure

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Direction FacesEast

Community Information

Address1401 Stillwater Boulevard, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionStillwater

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,098.4 sq ft

Parcel Number0098621700

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Pickleball, Tennis Court(s)

UtilitiesNatural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewGolf Course, Pool, Trees/Woods, Water

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

SecuritySmoke Detector(s)

Spa FeaturesIn Ground, Heated