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 Julington Creek, St. Johns — a pool home in St. Johns County.

1 / 77

Active Under Contract

Active Under Contract·45 days on market·Julington Creek

3920 E Glendale Court

St. Johns, FL 32259

$674,900$230/sqftEst. $3,441/moMLS# 2150863

Beds

Baths

2,934

Sq Ft

2003

Built

Garage

Yes

Pool

About this home

Julington Creek

Welcome to your own private resort in the heart of Julington Creek Plantation! Situated on an oversized .29-acre cul-de-sac lot, one of the larger lots you'll find in the community, this stunning 5-bedroom, 4-bathroom home offers the perfect blend of luxury, privacy, and convenience. The showstopper is undoubtedly the backyard oasis. Built in 2021, the sparkling heated and cooled pool feels practically brand new and serves as the centerpiece of an outdoor space designed for entertaining and relaxation. From the spacious covered patio and summer kitchen to the backyard bar, gazebo, firepit area, and manicured landscaping, every detail has been thoughtfully designed to create a resort-style experience right at home. The expansive yard still leaves plenty of room for pets, kids, or simply enjoying the outdoors.

Cost to own

Mortgage calculator

Home Price

$674,900

Down Payment: 20%

$134,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,441

Principal & Interest: $3,441

Property taxes (est.): $898

Insurance (est.): $450

Estimated Total Monthly

$4,789

*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$3,441

Property taxesest. at asking price, St. Johns County$898

HOAbilled annually$48

Estimated total, before insurance$4,388/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,698/yr · $558/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	$528,731	$350,176	—
2024	$534,196	$339,600	—
2023	$538,054	$328,252	—
2022	$496,966	$317,235	—
2021	$338,923	$265,223	—
2020	$310,871	$260,871	—

2025 property taxes (current owner): $6,698/yr

Estimated taxes if purchased at asking price: ~$10,800/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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 2003)

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

Sewer & public water · JEA

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: ~1,642 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