This home is in Celestina, St. Johns.

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Active Under Contract

Active Under Contract·45 days on market·Celestina

84 Pavia Place

St. Johns, FL 32259

$699,999$253/sqftEst. $3,569/moMLS# 2149780

Beds

Baths

2,763

Sq Ft

2020

Built

Garage

Yes

Pool

About this home

Celestina

Beautifully appointed 4-bedroom, 2.5-bath home in the gated community of Celestina. Built in 2020, this spacious floor plan features a dedicated office, upstairs loft, soaring 10' ceilings, 8' doors and abundant natural light. The gourmet kitchen offers quartz countertops, 42'' cabinetry, stainless steel appliances, natural-gas cooking and a large center island overlooking the family room with a custom electric fireplace feature wall. Step outside to your private backyard retreat featuring a heated saltwater pool, heated spa and tranquil waterfall features. Smart home technology, paver driveway and resort-style community amenities complete this exceptional offering, conveniently located near top-rated St. Johns County schools, shopping, dining and major commuter routes.

Cost to own

Mortgage calculator

Home Price

$699,999

Down Payment: 20%

$140,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,569

Principal & Interest: $3,569

Property taxes (est.): $932

Insurance (est.): $467

Estimated Total Monthly

$4,967

*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$3,569

Property taxesest. at asking price, St. Johns County$931

HOAbilled monthly$142

Estimated total, before insurance$4,643/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,115/yr · $593/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	$581,652	$362,497	—
2024	$568,328	$351,573	—
2023	$503,881	$289,925	—
2022	$406,495	$280,024	—
2021	$330,410	$270,412	—
2020	$88,000	$88,000	—

2025 property taxes (current owner): $7,115/yr

Estimated taxes if purchased at asking price: ~$11,200/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.

Hurricane evacuation zone E

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

Roof: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,786 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 11, 2026Listed$699,999

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

Features

Price$699,999

Price / Sq Ft$253

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,763

Acres0.20 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Salt Water, Waterfall

Is WaterfrontYes

Gated CommunityYes

Community Information

Address84 Pavia Place, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionCelestina

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size8,712 sq ft

Lot Dimensions75X120

Parcel Number0057325950

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Management - Full Time, Park, Pickleball, Playground, Security, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingDetached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, Sink, Upper Level

SecurityCarbon Monoxide Detector(s), Fire Sprinkler System, Gated with Guard, Security Gate, Security System Owned, Smoke Detector(s)

Spa FeaturesIn Ground