This home is in St Johns Forest, St. Johns — a gated community home in St. Johns County.
Active·45 days on market·St Johns Forest
108 S Arabella Way
St. Johns, FL 32259
About this home
St Johns Forest
This Providence pool home features 4 bedrooms 3 baths, an office. and a loft. Sitting on lovely Preserve lot. Desirable location in gated St Johns Forest. Office downstairs with french doors. Large Kitchen w/ Island is open to the Family Room which looks out on beautiful screened pool. Large primary bedroom, double tray ceiling, w/ensuite featuring shower and garden tub, double sinks and huge walk in closet. New Luxury Vinyl Plank flooring downstairs, new carpet upstairs, New AC 2026, Freshly painted interior and exterior. Leaded glass front door. Water Softener, Tankless Water Heater. Screened in pool with new pool motor, Led pool light. Kitchen features all stainless steel appliances that stay with the home. Garage includes wood shelving and Bike rack will stay. Ammenities are beautiful Clubhouse, playground, pool and tennis courts. Lots of shopping and restaurants in the area and convenient to 95. A + rated St Johns County Schools.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $489,104 | $264,345 | — |
| 2024 | $479,648 | $256,188 | — |
| 2023 | $484,129 | $247,270 | — |
| 2022 | $404,749 | $238,612 | — |
| 2021 | $301,682 | $230,206 | — |
| 2020 | $276,337 | $226,337 | — |
2025 property taxes (current owner): $5,512/yr
Estimated taxes if purchased at asking price: ~$10,200/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 2012)
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: ~1,726 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 30, 2026Price change$639,900−$10,000
- Jun 18, 2026Listed$649,900
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 St Johns Forest
St Johns Forest is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all St Johns Forest homes for sale →Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
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