This home is in Julington Creek, St. Johns.

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Active

Active·45 days on market·Julington Creek

401 Twin Oaks Lane

St. Johns, FL 32259

$420,000$212/sqftEst. $2,141/moMLS# 2149602

Beds

Baths

1,984

Sq Ft

2001

Built

Garage

Pool

About this home

Julington Creek

Delightful open, larger 3/2 on generous corner. Study/office with built-ins & double-sided fireplace. Formal dining room has wainscotting & wood floors that extend thru the foyer & the family room. Kitchen has large dine-in area, breakfast bar, double sinks, raised panel cabinets & built-in microwave. Family room overlooks covered lanai & spacious fenced back yard with storage shed. Julington Creek Plantation is one of the most desirable, convenient, planned communities in Florida, and the amenities are numerous, new, available, & fun.

Cost to own

Mortgage calculator

Home Price

$420,000

Down Payment: 20%

$84,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,141

Principal & Interest: $2,141

Property taxes (est.): $559

Insurance (est.): $280

Estimated Total Monthly

$2,980

*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$2,141

Property taxesest. at asking price, St. Johns County$559

HOAbilled annually$48

Estimated total, before insurance$2,749/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,327/yr · $527/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	$399,559	$322,642	—
2024	$399,338	$312,701	—
2023	$386,522	$301,991	—
2022	$361,664	$291,593	—
2021	$275,237	$125,226	—
2020	$222,533	$122,807	—

2025 property taxes (current owner): $6,327/yr

Estimated taxes if purchased at asking price: ~$6,700/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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 2001)

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

Sewer & public water · JEA

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: ~1,729 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

Jul 14, 2026Price change$420,000−$10,000
Jun 9, 2026Listed$430,000

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

Features

Price$420,000

Price / Sq Ft$212

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,984

Acres0.30 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryJulington Creek

MiddleFruit Cove

HighCreekside

Community Information

Address401 Twin Oaks Lane, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size13,068 sq ft

Lot DimensionsApprox. 105' x 125'

Parcel Number2492031630

ZoningResidential

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FireplaceYes

# of Fireplaces1

Fireplace FeaturesDouble Sided

# of Stories1