This home is in Julington Lakes, St. Johns.

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Active

Active·45 days on market·Julington Lakes

245 Freshwater Drive

St. Johns, FL 32259

$849,500$267/sqftEst. $4,331/moMLS# 2149908

Beds

Baths

3,182

Sq Ft

2018

Built

Garage

Pool

About this home

Julington Lakes

RATE is proud to offer a 1% lender credit towards purchase financing! This stunning Terrano model is perfectly positioned on a premium lot with serene preserve views both in front of and behind the home, offering exceptional privacy and natural beauty. As you arrive, you'll immediately notice the extended paver driveway, oversized garage, Level II Tesla charging station, and whole-home water softener. Inside, the open-concept floor plan showcases designer lighting, architectural details, upgraded finishes, and gorgeous ceramic wood-look flooring throughout the main living areas. The expanded gourmet kitchen features abundant cabinetry, a spacious island, and a convenient butler's pantry, making it ideal for both everyday living and entertaining. Large windows fill the home with natural light, creating a warm and inviting atmosphere. Triple sliding glass doors open to an impressive screened lanai with paver flooring, seamlessly blending

Cost to own

Mortgage calculator

Home Price

$849,500

Down Payment: 20%

$169,900

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,331

Principal & Interest: $4,331

Property taxes (est.): $1,130

Insurance (est.): $566

Estimated Total Monthly

$6,028

*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$4,331

Property taxesest. at asking price, St. Johns County$1,130

HOAbilled quarterly$193

Estimated total, before insurance$5,654/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,534/yr · $461/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	$690,161	$374,098	—
2024	$648,215	$362,847	—
2023	$611,069	$350,822	—
2022	$554,806	$339,148	—
2021	$456,068	$327,814	—
2020	$407,244	$308,507	—

2025 property taxes (current owner): $5,534/yr

Estimated taxes if purchased at asking price: ~$13,600/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 2018)

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

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 10, 2026Price change$849,500−$15,500
Jun 12, 2026Listed$865,000

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

Features

Price$849,500

Price / Sq Ft$267

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,182

Total Structure Area4,673 sq ft

Acres0.24 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address245 Freshwater Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Lakes

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,454.4 sq ft

Parcel Number0096821320

Amenities

AmenitiesPool, Barbecue, Basketball Court, Boat Dock, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level

SecurityGated with Guard, Security Gate