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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Stillwater, St. Johns — a gated community home in St. Johns County.

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Active

Active·147 days on market·Stillwater

1401 Stillwater Boulevard

St. Johns, FL 32259

$649,800$321/sqftEst. $3,543/mo mortgageMLS# 2148707
↓ $100 below original list
3
Beds
3
Baths
2,027
Sq Ft
2023
Built
2
Garage
Yes
Pool

26 more homes for sale in Stillwater →Search Stillwater on the map

FEMA Zone XHOA $711/mo6,098 sqft lotWaterfrontSingle Family Residence1 story

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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.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$3,543
Property taxesest. at asking price, St. Johns County$865
HOAbilled monthly$711
Estimated total, before insurance$5,118/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$649,800
$129,960
Loan Term
Monthly Payment
$3,543
Principal & Interest: $3,543
Property taxes (est.): $865
Insurance (est.): $433
Estimated Total Monthly
$4,841
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:39 AM, sunset 6:41 PM.

  • A pool back here is the warmest in town and glitters in the evening.
  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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: $531,000 in July 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
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.

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.

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 $244/sq ft; this home is listed at $321/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1578 Stillwater Boulevard, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$375,000$1993/21,8861740.2
154 Dogleg Run, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNSSep 2026$320,000$1982/21,6201940.3
80 Dogleg Run, St. Johns, FL 32259Listed by COMPASS FLORIDA LLCOct 2026$390,000$2073/21,886990.4
4933 Blackhawk Drive, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$675,000$3043/22,21910.4
5001 Totem Court, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$775,000$3154/32,46320.5
4309 Comanche Trail Boulevard, St. Johns, FL 32259Listed by DAVIDSON REALTY, INC.Oct 2026$420,000$2443/21,718230.9

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

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

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

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)
Community FeaturesSidewalks, Suburban, Restaurant, Gated
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

Exterior

Lot DescriptionOn Golf Course
Patio / PorchCovered, Rear Porch
RoofShingle
Road FrontageCity Street

Additional Information

Date ListedJune 4, 2026
Days on Market147
HOA Fees$710.87 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Pest Control
Tax Amount$9,563.22
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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 Stillwater

Stillwater is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Stillwater homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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