This home is in Aberdeen, St. Johns.

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Active Under Contract

Active Under Contract·45 days on market·Aberdeen

605 Fort William Drive

St. Johns, FL 32259

$775,000$221/sqftEst. $3,951/moMLS# 2150539

Beds

Baths

3,511

Sq Ft

2016

Built

Garage

Yes

Pool

About this home

Aberdeen

Welcome to 605 Fort William Drive in St. Johns, Florida. This 5-bedroom, 3.5-bath home, built in 2016, blends thoughtful upgrades, energy efficiency, and outdoor living. Inside, you'll find luxury vinyl plank flooring throughout with no carpet, upgraded countertops in the kitchen and baths, remodeled bathrooms, custom blinds, and crown molding. The kitchen offers upgraded cabinetry, a custom vent hood, double wall ovens, a gas cooktop, and a butler's pantry. The layout includes a private first-floor office, a first-floor guest/in-law suite with walk-in shower, and a spacious loft. Energy-efficient features include solar system, whole-home Generac generator, and garage mini-split AC. Outdoor living includes a saltwater fiberglass pool, screened enclosure, and vinyl-screened lanai. Community amenities include two pools, fitness center, basketball courts, playgrounds and a dog park. Approximately 30 min to Mickler's Beach, 45 min to Jax Airport and 40 min to History St Augustine.

Cost to own

Mortgage calculator

Home Price

$775,000

Down Payment: 20%

$155,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,951

Principal & Interest: $3,951

Property taxes (est.): $1,031

Insurance (est.): $517

Estimated Total Monthly

$5,499

*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$3,951

Property taxesest. at asking price, St. Johns County$1,031

HOAbilled annually$4

Estimated total, before insurance$4,987/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,733/yr · $728/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	$627,131	$407,557	—
2024	$586,375	$395,363	—
2023	$598,893	$382,391	—
2022	$543,309	$369,797	—
2021	$369,404	$299,127	—
2020	$344,307	$294,307	—

2025 property taxes (current owner): $8,733/yr

Estimated taxes if purchased at asking price: ~$12,400/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 2016)

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 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 14, 2026Listed$775,000

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

Features

Price$775,000

Price / Sq Ft$221

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,511

Acres0.24 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Fenced, Salt Water, Screen Enclosure

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryFreedom Crossing Academy

MiddleFreedom Crossing Academy

HighBartram Trail

Community Information

Address605 Fort William Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionAberdeen

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,454.4 sq ft

Parcel Number0096813110

ZoningPUD

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Management - Full Time, Park, Playground

UtilitiesElectricity Connected, Sewer Available, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

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

AppliancesDishwasher, Disposal, Double Oven, Electric Water Heater, Gas Cooktop, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air, Multi Units

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Sink, Washer Hookup