This home is in Aberdeen, St. Johns.

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Active·45 days on market·Aberdeen

121 Balmoral Castle Drive

St. Johns, FL 32259

$449,000$233/sqftEst. $2,282/moMLS# 2148839

Beds

Baths

1,923

Sq Ft

2019

Built

Garage

Pool

About this home

Aberdeen

Welcome to 121 Balmoral Castle Drive! This beautifully maintained home offers a VA assumable mortgage at 2.75%, a bought-down CDD, updated wood trim throughout, tile flooring throughout the entire home with no carpet, and an air-conditioned garage complete with an attached mini gym. The open-concept floor plan features spacious living areas, abundant natural light, a well-appointed kitchen, and generously sized bedrooms -- ideal for comfortable living and entertaining. Step outside to enjoy the tiled backyard with a cozy fire pit, perfect for relaxing evenings or hosting guests. Families will love the convenience of being able to walk or bike to the neighborhood K-8 school, avoiding long school drop-off lines. Conveniently located within walking distance to Freedom Crossing and situated in the highly regarded St. Johns County School District, this Northeast Florida home is a rare opportunity. Schedule your private showing today!

Cost to own

Mortgage calculator

Home Price

$449,000

Down Payment: 20%

$89,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,282

Principal & Interest: $2,282

Est. Taxes & Insurance: $571

Estimated Total Monthly

$2,853

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$2,282

Property taxesest. at asking price, St. Johns County$597

HOAbilled annually$5

Estimated total, before insurance$2,884/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$374,287	$374,287	—
2024	$367,749	$217,291	—
2023	$386,563	$209,506	—
2022	$345,378	$118,956	—
2021	$259,838	$154,622	—
2020	$238,324	$188,324	—

Estimated taxes if purchased at asking price: ~$7,200/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 2019)

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

Solar potential: ~1,695 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