This home is in Julington Creek, St. Johns.

1 / 45

Active

Active·34 days on market·Julington Creek

1004 Senecio Place

St. Johns, FL 32259

$510,000$219/sqftEst. $2,714/moMLS# 2150121

Beds

Baths

2,330

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

Julington Creek

Beautiful 3-bedroom, 2-bath home in highly desirable Julington Creek Plantation, featuring formal living and dining rooms and a bright, open layout perfect for everyday living and entertaining. The kitchen opens to the living room, creating a warm and inviting central gathering space. The spacious primary suite offers a large ensuite bath and walk-in closet for added comfort and convenience.Step outside to enjoy the screened-in pool overlooking a large lot shaded by beautiful oak trees. Freshly painted and ideally located near shopping, dining, and everyday conveniences, this home is also zoned for A-rated schools, making it an exceptional opportunity in one of the area's most sought-after communities.

Cost to own

Mortgage calculator

Home Price

$510,000

Down Payment: 20%

$102,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,576

Principal & Interest: $2,576

Est. Taxes & Insurance: $644

Estimated Total Monthly

$3,220

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,714

Property taxesest. at asking price, St. Johns County$679

HOAbilled annually$48

Estimated total, before insurance$3,441/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$436,933	$167,035	—
2024	$410,386	$161,479	—
2023	$408,866	$155,174	—
2022	$389,326	$153,552	—
2021	$279,253	$147,609	—
2020	$255,435	$144,874	—

2025 property taxes (current owner): $4,231/yr

Estimated taxes if purchased at asking price: ~$8,100/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.

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 2000)

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: ~1,668 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History