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 WGV King Andbear, St. Johns — a gated community home in St. Johns County.

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Active

Active·48 days on market·WGV King Andbear

2781 Oakgrove Avenue

St. Johns, FL 32092

$664,999$240/sqftEst. $3,391/moMLS# 2150656

Beds

Baths

2,767

Sq Ft

2002

Built

Garage

Pool

About this home

WGV King Andbear

OPEN HOUSE Sat Sept 5th 12-3!!! Stunning, custom home located within the estate section of King & Bear directly next to community park! Highly sought after gated community with incredible amenities and prestigious homes. Soaring 14ft ceiling in living areas on this single-level home, which provides fanatic volume and a luxurious feel. This preserve lot has a serene backyard large enough for a pool (see rendering in photos) and already has a pool bathroom entrance off of the large, pavered lanai. Formal office could be converted to fourth bedroom. Interior has been recently painted and kitchen is equipped with high-end appliances. Circular driveway, large oak tree and courtyard garage all enhance the beauty of this fine home! Surrounded by million dollar plus homes this is an affordable opportunity to be on such a desirable lot and section of neighborhood. Amenities include guard gate, tennis, pickleball, gym and the spa and golf club membership may be purchased separately. Call today

Cost to own

Mortgage calculator

Home Price

$664,999

Down Payment: 20%

$133,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,391

Principal & Interest: $3,391

Property taxes (est.): $885

Insurance (est.): $443

Estimated Total Monthly

$4,719

*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$3,391

Property taxesest. at asking price, St. Johns County$885

HOAbilled quarterly$217

Estimated total, before insurance$4,492/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,711/yr · $726/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

Last sold: $750,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$621,961	$621,961	—
2024	$567,053	$567,053	—
2023	$557,581	$221,185	—
2022	$520,592	$213,286	—
2021	$389,647	$205,617	—
2020	$343,503	$202,088	—

2025 property taxes (current owner): $8,711/yr

Estimated taxes if purchased at asking price: ~$10,600/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2002)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,542 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

Jul 13, 2026Price change$664,999−$10,000
Jun 15, 2026Listed$674,999

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

Features

Price$664,999

Price / Sq Ft$240

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,767

Acres0.35 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesNorthwest

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address2781 Oakgrove Avenue, St. Johns, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv King Andbear

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32092

Lot Size15,246 sq ft

Parcel Number2880170040

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Park, Pickleball, Playground, Security, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Circular Driveway, Garage, Garage Door Opener, Guest

ViewTrees/Woods

Interior

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

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Range, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesDouble Sided, Gas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink

Security24 Hour Security, Gated with Guard