This home is in Aberdeen, St. Johns.

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Active·51 days on market·Aberdeen

51 Scotch Pebble Drive

St. Johns, FL 32259

$315,000$210/sqftEst. $1,606/moMLS# 2149015

Beds

Baths

1,502

Sq Ft

2020

Built

Garage

Pool

About this home

Aberdeen

Some homes just make everyday life feel easier, and 51 Scotch Pebble Drive is one of them! Tucked in Braewick at Aberdeen with a peaceful preserve view, this 2020-built townhome offers a low-maintenance lifestyle in the heart of St. Johns County. The main level is designed for daily living, with bright, functional space, modern vinyl flooring, a convenient half bath, smart home features, and an open feel that makes the home easy to enjoy. Upstairs, 3 bedrooms & 2 baths are thoughtfully tucked away, creating separation between your living and resting spaces. With 1,502 sq.ft. of living space and a 1-car garage, this home offers the flexibility to fit a variety of lifestyles. Enjoy Aberdeen's sought-after amenities, including a resort-style pool, fitness center, basketball courts, and playground. With shopping, dining, top rated schools, St. Johns conveniences, and major roadways nearby, this home blends comfort, lifestyle and location in one inviting opportunity you do not want to miss!

Cost to own

Mortgage calculator

Home Price

$315,000

Down Payment: 20%

$63,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,606

Principal & Interest: $1,606

Property taxes (est.): $419

Insurance (est.): $210

Estimated Total Monthly

$2,235

*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$1,606

Property taxesest. at asking price, St. Johns County$419

HOAbilled quarterly$123

Estimated total, before insurance$2,148/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,142/yr · $345/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

Year	Market value	Taxable value	Change
2025	$262,428	$196,718	—
2024	$261,273	$190,466	—
2023	$270,367	$183,462	—
2022	$226,662	$176,662	—
2021	$35,000	$35,000	—

2025 property taxes (current owner): $4,142/yr

Estimated taxes if purchased at asking price: ~$5,000/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 2020)

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

Solar potential: ~1,524 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