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 Bridgewater, St. Johns — a waterfront home in St. Johns County.

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Active

Active·45 days on market·Bridgewater

92 Seaport Breeze Road

St. Johns, FL 32095

$299,500$174/sqftEst. $1,527/moMLS# 2150711

Beds

Baths

1,722

Sq Ft

2024

Built

Garage

Pool

About this home

Bridgewater

THIS MOSTLY FURNISHED HOME comes with all furniture, lamps, and curtains downstairs, plus two twin beds upstairs (if buyer would like them to stay). Built in 2024, this beautiful 3 bedroom, 2.5 bath townhome offers modern living with stunning lake views and move-in-ready. The open floor plan features tile flooring throughout the main level, carpet upstairs, and a spacious kitchen with white cabinetry, stainless steel appliances, and a walk-in pantry. Enjoy relaxing water views from the extended paver patio and screened lanai. The upstairs laundry room adds convenience and includes the washer and dryer. Additional upgrades include a water softener system already installed. Residents enjoy exceptional community amenities, including a clubhouse, resort-style pool, splash park, playground, sand volleyball court, and multi-purpose field. Conveniently located near major roads, shopping, and dining. Low HOA of just $66 per month.

Cost to own

Mortgage calculator

Home Price

$299,500

Down Payment: 20%

$59,900

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,527

Principal & Interest: $1,527

Property taxes (est.): $399

Insurance (est.): $200

Estimated Total Monthly

$2,125

*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$1,527

Property taxesest. at asking price, St. Johns County$399

HOAbilled monthly$66

Estimated total, before insurance$1,992/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,825/yr · $485/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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: $2,024,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$299,763	$299,763	—
2024	$40,000	$40,000	—

2025 property taxes (current owner): $5,825/yr

Estimated taxes if purchased at asking price: ~$4,800/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 2024)

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

Solar potential: ~1,793 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 18, 2026Price change$299,500−$15,500
Jun 15, 2026Listed$315,000

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

Features

Price$299,500

Price / Sq Ft$174

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,722

Total Structure Area2,061 sq ft

Acres0.04 acres

Year Built2024

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Direction FacesNorth

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address92 Seaport Breeze Road, St. Johns, FL 32095

Area304- 210 South

SubdivisionBridgewater

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32095

Lot Size1,742.4 sq ft

Parcel Number0262210330

ZoningSingle Family

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup