This home is in Johns Creek, St. Augustine — a pool home in St. Johns County.
Active Under Contract·44 days on market·Johns Creek
464 Johns Creek Parkway
St. Augustine, FL 32092
About this home
Johns Creek
MOVE-IN READY POOL HOME in Johns Creek, St. Augustine! This updated 4BR/2BA, 2,005 sq ft home features a stunning 2023 saltwater pool (14'x28') with heater/chiller, sunshelf water feature & child safety fence, plus a covered patio with ceiling fan & mounted TV for effortless entertaining. NEW ROOF (2022), NEW HVAC (2021), newer water heater, whole-house water filtration & new irrigation system. Fresh paint, hardwood floors & epoxy garage floor throughout. Community amenities include 2 pool centers, a fitness center, tennis & basketball courts, playgrounds & LOW HOA. Minutes to I-295, I-95, St. Johns Town Center & top-rated schools -- beach just 20 minutes away! Lender offers 1% of loan amt. toward discount points or closing costs when you choose Nick Dalcero, Sr. Loan Officer at Neo Home Loans. This offer expires 07/31/2026.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: $440,000 in March 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $414,769 | $414,769 | — |
| 2024 | $409,631 | $409,631 | — |
| 2023 | $362,871 | $312,871 | — |
| 2022 | $326,740 | $124,648 | — |
| 2021 | $238,531 | $119,561 | — |
| 2020 | $221,137 | $117,220 | — |
2025 property taxes (current owner): $8,456/yr
Estimated taxes if purchased at asking price: ~$7,800/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 — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,749 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 homeAs 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 24, 2026Active Under Contract$489,900
- Jul 16, 2026Price change$489,900−$10,000
- Jun 19, 2026Listed$499,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Johns Creek
Johns Creek is a neighborhood in Jacksonville, FL (St. Johns County), ZIP 32092.
View all Johns Creek homes for sale →Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines