This home is in St. Johns.
Active·52 days on market
82 Wards Ravine Way
St. Johns, FL 32259
About this home
St. Johns
Welcome to Grand Creek South, a desirable gated community known for its family-friendly atmosphere and access to top-rated St. Johns County schools. This spacious 4-bedroom, 2.5-bath home features a private downstairs office, an upstairs loft, and an open-concept design. The kitchen serves as the heart of the home with quartz countertops, a large center island, abundant cabinetry, stainless steel appliances, and views of the screened lanai and preserve beyond. All kitchen appliances, along with the washer and dryer, convey with the home.The light-filled family room is the perfect setting for relaxing or entertaining, while the large backyard provides a combination of space and privacy. Fully fenced and backing to a peaceful preserve, the yard offers plenty of room for children and pets to play or outdoor gatherings. Located on quiet, low-traffic streets, this home offers the ideal setting for bike rides, evening walks, and neighborhood play.
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: $510,000 in December 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $422,827 | $372,105 | — |
| 2024 | $421,264 | $371,264 | — |
| 2023 | $410,865 | $360,865 | — |
| 2022 | $31,360 | $30,800 | — |
| 2021 | $28,000 | $28,000 | — |
2025 property taxes (current owner): $5,507/yr
Estimated taxes if purchased at asking price: ~$8,500/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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,346 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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 31, 2026Price change$533,500−$5,000
- Jun 24, 2026Listed$538,500
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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