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This home is in Mill Creek Forest, St. Johns.

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Active

Active·52 days on market·Mill Creek Forest

272 Wye Road

St. Johns, FL 32259

$504,900$280/sqftEst. $2,574/moMLS# 2149007

Beds

Baths

1,801

Sq Ft

2024

Built

Garage

Pool

About this home

Mill Creek Forest

Luxury, Lifestyle & Location! Welcome to this beautifully upgraded, St. Johns County's most desirable gated community; Mill Creek. Located in Florida's top-rated school district, this 3 bedroom/2 bath~ split floor plan offers a gourmet kitchen featuring a gas cooktop, designer vent hood, built-in appliances, and an oversized island--perfect for entertaining with 42'' cabinets, Subway tile back splash The garage boasts showroom-quality epoxy flooring, while premium upgrades throughout make this home truly move-in ready. Enjoy 24/7 electronic gate surveillance and resort-style amenities including a clubhouse, pool, pickleball, tennis courts, playground, and scenic walking areas. Skip the wait and expense of new construction--this home already includes thousands in upgrades the builder doesn't! All appliances are included with the home as well A home warranty with an acceptable offer.

Cost to own

Mortgage calculator

Home Price

$504,900

Down Payment: 20%

$100,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,574

Principal & Interest: $2,574

Property taxes (est.): $672

Insurance (est.): $337

Estimated Total Monthly

$3,583

*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$2,574

Property taxesest. at asking price, St. Johns County$672

HOAbilled monthly$153

Estimated total, before insurance$3,399/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,987/yr · $499/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: $93,500 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$419,687	$419,687	—
2024	$120,000	$120,000	—
2023	$100,000	$100,000	—

2025 property taxes (current owner): $5,987/yr

Estimated taxes if purchased at asking price: ~$8,100/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 2024)

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 30, 2026Price change$504,900−$10,000
Jul 16, 2026Price change$514,900−$10,000
Jun 8, 2026Listed$524,900

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

Features

Price$504,900

Price / Sq Ft$280

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,801

Total Structure Area2,688 sq ft

Acres0.15 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StylePatio Home, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

Community Information

Address272 Wye Road, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionMill Creek Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,534 sq ft

Parcel Number0013510230

ZoningSingle Family

Amenities

AmenitiesPool, Clubhouse, Maintenance Grounds, Pickleball, Playground, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesButler Pantry, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Gas Cooktop, Gas Water Heater, Ice Maker, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup