This home is in Johns Creek, St. Augustine.

1 / 75

Active

Active·45 days on market·Johns Creek

357 Huffner Hill Circle

St. Augustine, FL 32092

$630,000$209/sqftEst. $3,212/moMLS# 2149237

Beds

Baths

3,009

Sq Ft

2014

Built

Garage

Pool

About this home

Johns Creek

WATERFRONT PRESERVE POOL-SIZED HOMESITE IN JOHNS CREEK! Welcome to Johns Creek, one of St. Johns County's most established and sought-after communities, known for its outstanding amenities, convenient location, and access to A-rated St. Johns County schools. Situated on a premium oversized homesite overlooking a stunning preserve and picturesque lake, this beautifully updated 5-bedroom, 3.5-bathroom home offers the perfect combination of space, privacy, and breathtaking natural views. With over 3,000 square feet of thoughtfully designed living space, this home is ideal for growing families, multigenerational living, or anyone seeking room to spread out. Freshly updated with NEW interior paint (2025), NEW luxury vinyl plank flooring (2025), and NEW upstairs carpet (2025), the home is truly move-in ready. The flexible floor plan features a spacious primary suite on the first floor, along with a private guest ensuite, making it perfect for visitors or extended family.

Cost to own

Mortgage calculator

Home Price

$630,000

Down Payment: 20%

$126,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,212

Principal & Interest: $3,212

Property taxes (est.): $838

Insurance (est.): $420

Estimated Total Monthly

$4,471

*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$3,212

Property taxesest. at asking price, St. Johns County$838

HOAbilled annually$10

Estimated total, before insurance$4,060/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,617/yr · $801/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	$482,724	$482,724	—
2024	$501,369	$451,253	—
2023	$484,414	$410,230	—
2022	$429,129	$372,936	—
2021	$339,033	$339,033	—
2020	$315,466	$230,964	—

2025 property taxes (current owner): $9,617/yr

Estimated taxes if purchased at asking price: ~$10,100/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 2014)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,780 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

Price & status history

Jun 9, 2026Listed$630,000

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

Features

Price$630,000

Price / Sq Ft$209

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,009

Total Structure Area3,805 sq ft

Acres0.24 acres

Year Built2014

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryCunningham Creek

MiddleSwitzerland Point

HighBeachside

Community Information

Address357 Huffner Hill Circle, St. Augustine, FL 32092

Area304- 210 South

SubdivisionJohns Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,454.4 sq ft

Parcel Number0099820660

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Maintenance Grounds, Playground, Tennis Court(s)

UtilitiesCable Not Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Protected Preserve

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryIn Unit, Sink