This home is in Oxford Estates, St. Johns.

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Active Under Contract

Active Under Contract·45 days on market·Oxford Estates

318 Oxford Estates Way

St. Johns, FL 32259

$875,000$271/sqftEst. $4,461/moMLS# 2150032

Beds

Baths

3,234

Sq Ft

2017

Built

Garage

Yes

Pool

About this home

Oxford Estates

Welcome to Oxford Estates, one of Northwest St. Johns County's most sought-after gated communities, offering the rare advantage of NO CDD fees. Built by renowned MasterCraft Builder Group and lovingly maintained by its original owner, this exceptional waterfront home combines timeless craftsmanship, thoughtful upgrades, and resort-style outdoor living. Positioned on a beautiful water-view lot with mature landscaping, this west-facing home is filled with natural light and showcases quality finishes throughout. Upon entering, you'll immediately notice the tray ceilings, crown molding in the foyer and formal dining room, smooth-finish walls, custom board-and-batten accents, plantation shutters, and upgraded lighting fixtures that enhance the home's elegant design. The dedicated office features custom built-in shelving and accent lighting, creating the perfect space for working from home. The spacious owner's suite offers a true retreat with dual walk-in closets, separate vanities

Cost to own

Mortgage calculator

Home Price

$875,000

Down Payment: 20%

$175,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,461

Principal & Interest: $4,461

Property taxes (est.): $1,164

Insurance (est.): $583

Estimated Total Monthly

$6,209

*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$4,461

Property taxesest. at asking price, St. Johns County$1,164

HOAbilled annually$104

Estimated total, before insurance$5,730/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,437/yr · $536/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	$673,228	$441,168	—
2024	$656,856	$428,027	—
2023	$672,358	$414,104	—
2022	$625,183	$400,586	—
2021	$460,723	$387,462	—
2020	$439,475	$381,422	—

2025 property taxes (current owner): $6,437/yr

Estimated taxes if purchased at asking price: ~$14,000/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: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,753 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$875,000

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

Features

Price$875,000

Price / Sq Ft$271

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,234

Total Structure Area4,308 sq ft

Acres0.25 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water, Waterfall

Is WaterfrontYes

Gated CommunityYes

Direction FacesWest

School Information

ElementaryCunningham Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address318 Oxford Estates Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionOxford Estates

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,890 sq ft

Parcel Number0023950730

ZoningResidential

Amenities

AmenitiesPool, Dog Park, Gated, Jogging Path, Maintenance Grounds, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewWater

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

SecuritySecurity System Owned