This home is in Julington Creek, St. Johns.

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Active

Active·23 days on market·Julington Creek

124 Dragonfly Drive

St. Johns, FL 32259

$435,000$220/sqftEst. $2,315/moMLS# 2151837

Beds

Baths

1,977

Sq Ft

2003

Built

Garage

Pool

About this home

Julington Creek

Welcome to this 4-bedroom, 2-bath home nestled on a quiet dead-end street in the highly desirable Julington Creek Plantation! Featuring brand-new luxury vinyl plank flooring throughout, this home offers a functional split floor plan with a formal dining room and a versatile flex space perfect for a home office, playroom, or sitting area. The spacious primary suite includes double vanities, a garden tub, and a separate walk-in shower. Enjoy the large, fully fenced backyard with plenty of room to entertain or relax, plus a two-car garage for added convenience. While the home could use a little TLC, it offers incredible potential in a community known for its resort-style amenities, including pools, a fitness center, tennis courts, parks, playgrounds, and walking trails. Don't miss this opportunity to make it your own!

Cost to own

Mortgage calculator

Home Price

$435,000

Down Payment: 20%

$87,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,197

Principal & Interest: $2,197

Est. Taxes & Insurance: $549

Estimated Total Monthly

$2,747

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,315

Property taxesest. at asking price, St. Johns County$579

HOAbilled annually$38

Estimated total, before insurance$2,932/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $420,000 in January 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$359,887	$0	—
2024	$334,821	$0	—
2023	$340,722	$114,161	—
2022	$338,112	$109,380	—
2021	$231,486	$104,738	—
2020	$219,347	$102,602	—

2025 property taxes (current owner): $1,820/yr

Estimated taxes if purchased at asking price: ~$6,900/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 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: ~1,675 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jun 22, 2026Listed$435,000

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

Features

Price$435,000

Price / Sq Ft$220

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,977

Acres0.18 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address124 Dragonfly Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size7,840.8 sq ft

Parcel Number2495440570

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Dryer, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

Spa FeaturesCommunity