This home is in Stillwater, St. Johns — a new construction home in St. Johns County.
Active·99 days on market·Stillwater
365 Murphys Drive
St. Johns, FL 32259
About this home
Stillwater
***MOVE IN READY - BRAND NEW HOME*** Welcome to the Montego C floor plan by Lennar, located in a desirable Active Adult golf community. This beautiful home features 3 bedrooms, 3 bathrooms, a private study, and a spacious 3-car garage. The thoughtfully designed kitchen showcases white cabinetry, white quartz countertops, 42-inch cabinets, and a gourmet kitchen equipped with stainless steel appliances, including a gas range, double ovens, dishwasher, microwave, and refrigerator. Additional features include quartz bathroom vanities, ceramic wood-look tile throughout the wet areas and extending into the family room, dining area, and halls, plus a top-load washer and dryer and window blinds throughout. Enjoy the comfort of a gas water heater, ceiling fans in the bedrooms and screened lanai, an epoxy-coated garage floor, and a full irrigation system. One-year builder warranty included! (Conditions may apply)
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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
- Sep 18, 2026Price change$669,970−$20,000
- Jun 15, 2026Listed$689,970
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LENNAR REALTY INC · LennarJacksonville@Lennar.com
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Stillwater
Stillwater is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines