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 Stillwater, St. Johns — a gated community home in St. Johns County.

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Active

Active·53 days on market·Stillwater

388 Murphys Drive

St. Johns, FL 32259

$659,970$337/sqftEst. $3,403/moMLS# 2150650

Beds

Baths

1,957

Sq Ft

2026

Built

Garage

Pool

About this home

Stillwater

Under Construction: Ready September 2026! Active Adult Golf Community! This Lennar Homes St. Croix floor plan offers 3 bedrooms 2.5 bathrooms a private study and a 3-car garage. Enjoy Lennar's Everything's Included features with white cabinetry white quartz kitchen countertops 42-inch upper cabinets and a gourmet kitchen featuring stainless steel appliances including a gas range double ovens dishwasher microwave and refrigerator. Additional upgrades include quartz bathroom vanities ceramic wood-look tile flooring throughout the main living areas halls and wet areas top-load washer and dryer window blinds throughout ceiling fans in the bedrooms and screened lanai gas water heater epoxy-coated garage floor sprinkler system and more. Includes a one-year builder warranty. (Conditions may apply)

Cost to own

Mortgage calculator

Home Price

$659,970

Down Payment: 20%

$131,994

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,403

Principal & Interest: $3,403

Property taxes (est.): $878

Insurance (est.): $440

Estimated Total Monthly

$4,722

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,403

Property taxesest. at asking price, St. Johns County$878

HOAbilled monthly$711

Estimated total, before insurance$4,992/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,931/yr · $328/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).

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 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 15, 2026Listed$659,970

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

Features

Price$659,970

Price / Sq Ft$337

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,957

Acres0.12 acres

Year Built2026

TypeResidential

Sub-TypeTownhouse

StyleRanch

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

New ConstructionYes

Community Information

Address388 Murphys Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionStillwater

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size5,227.2 sq ft

Parcel Number000

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Tennis Court(s), Trash, Water

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

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods, Water

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)