Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Oxford Estates, St. Johns — a gated community home in St. Johns County.

1 / 151

Active

Active·45 days on market·Oxford Estates

304 Oxford Estates Way

St. Johns, FL 32259

$925,000$259/sqftEst. $4,716/moMLS# 2150413

Beds

Baths

3,565

Sq Ft

2015

Built

Garage

Yes

Pool

About this home

Oxford Estates

Back on the market (no fault of Seller) This is an exceptional waterfront residence by David Weekley Homes, ideally situated within the gated enclave of Oxford Estates. Thoughtfully designed and impeccably maintained, this pool home offers a sophisticated blend of comfort, efficiency, manicured landscaping, and elevated living in one of Northeast Florida's most desirable locations. A grand two-story family room filled with natural light sets the tone upon entry, showcasing the home's open-concept design and effortless flow. The main-level owner's suite serves as a private retreat, complete with rich hardwood flooring, a spa-inspired bath, and dual walk-in closets. A dedicated Office with French doors creates an elegant workspace, while upgraded lighting and ceiling fans enhance the home's refined aesthetic throughout. The pavered driveway, walkway, and front porch make a striking first impression. Designed for effortless indoor-outdoor living, expansive sliding glass doors

Cost to own

Mortgage calculator

Home Price

$925,000

Down Payment: 20%

$185,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,716

Principal & Interest: $4,716

Property taxes (est.): $1,231

Insurance (est.): $617

Estimated Total Monthly

$6,564

*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$4,716

Property taxesest. at asking price, St. Johns County$1,231

HOAbilled annually$104

Estimated total, before insurance$6,051/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,240/yr · $603/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	$730,167	$500,794	—
2024	$699,719	$485,973	—
2023	$718,922	$470,362	—
2022	$654,508	$455,206	—
2021	$490,491	$440,491	—
2020	$434,916	$347,067	—

2025 property taxes (current owner): $7,240/yr

Estimated taxes if purchased at asking price: ~$14,800/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 2015)

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

Solar potential: ~1,764 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 17, 2026Listed$925,000

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

Features

Price$925,000

Price / Sq Ft$259

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,565

Acres0.25 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame, Traditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water, Screen Enclosure

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryCunningham Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address304 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

Lot Dimensions83x130

Parcel Number0023950740

Amenities

AmenitiesPool, Dog Park, Gated, Jogging Path, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Washer Hookup

SecuritySecurity Gate, Security System Owned, Smoke Detector(s)