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 St Johns Forest, St. Johns — a gated community home in St. Johns County.

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Active Under Contract

Active Under Contract·45 days on market·St Johns Forest

721 Carthage Place

St. Johns, FL 32259

$950,000$234/sqftEst. $4,844/moMLS# 2151377

Beds

Baths

4,060

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

St Johns Forest

Oversized Cul-De-Sac Lot | Resort-Style Outdoor Living Area with Pool, Spa & Gas Fireplace | Preserve View | Convenience & Privacy Enjoy unmatched privacy and a serene atmosphere in this one-of-a-kind pool home, ideally situated on an oversized cul-de-sac lot with wooded preserve views both in front and behind and one of the largest lots in this sought after community. This home offers a quiet retreat in the center of it all, with exceptional convenience to everything Northeast Florida has to offer. The property features a large backyard oasis designed for both relaxation and entertaining, complete with a newer screened-in pool and spa with gas heater, gas firepit and full automation. The expansive yard is further enhanced by mature fruit trees and privacy hedges. Inside, the thoughtfully designed floor plan provides both flexibility and privacy.

Cost to own

Mortgage calculator

Home Price

$950,000

Down Payment: 20%

$190,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,844

Principal & Interest: $4,844

Property taxes (est.): $1,264

Insurance (est.): $633

Estimated Total Monthly

$6,741

*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$4,844

Property taxesest. at asking price, St. Johns County$1,264

HOAbilled quarterly$247

Estimated total, before insurance$6,355/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,599/yr · $717/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	$818,853	$491,053	—
2024	$813,203	$476,506	—
2023	$747,637	$461,171	—
2022	$668,435	$446,283	—
2021	$504,847	$431,828	—
2020	$494,926	$425,176	—

2025 property taxes (current owner): $8,599/yr

Estimated taxes if purchased at asking price: ~$15,200/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2006)

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

Sewer (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

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

Solar potential: ~1,705 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 17, 2026Active Under Contract$950,000
Jun 19, 2026Listed$950,000

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

Features

Price$950,000

Price / Sq Ft$234

Bedrooms5

Bathrooms5.00

Full Baths5

Square Footage4,060

Acres0.43 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water, Screen Enclosure

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighBeachside

Community Information

Address721 Carthage Place, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionSt Johns Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size18,730.8 sq ft

Parcel Number0263311150

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Playground, Tennis Court(s)

UtilitiesElectricity Available, Natural Gas Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, His and Hers Closets, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories3

LevelsThree Or More

Spa FeaturesIn Ground, Heated, Private