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 Oxford Estates, St. Johns — a gated community home in St. Johns County.

1 / 65

Active

Active·44 days on market·Oxford Estates

195 Manor Lane

St. Johns, FL 32259

$769,000$233/sqftEst. $3,966/moMLS# 2152702

Beds

Baths

3,305

Sq Ft

2017

Built

Garage

Pool

About this home

Oxford Estates

Welcome to this immaculate 4BR, 3.5BA home in the Gated Community/Oxford Estates with 2 spacious bonus rooms--perfect for families, including multi-generational living. The first floor features 2 guest bedrooms, a full bath, a flex room & a luxurious master suite with a custom walk-in closet including a concealed locking storage space. The open-concept kitchen boasts an oversized island, granite counters, gas stove, walk-in pantry, upgraded cabinets & all appliances--including a deep freezer & drink cooler in the laundry room. Pocket sliding doors lead to a screened lanai & large backyard with room for a pool. Upstairs includes a bonus room, bedroom & full bath--ideal for guests or a second master suite. Additional highlights: formal living room, crown molding, plantation shutters, 3-car tandem garage with epoxy floors, built-in storage & a mudroom. Gas dryer & water heater. Plenty of storage throughout. A truly stunning, well-thought-out home ready for you to move in and enjoy!

Cost to own

Mortgage calculator

Home Price

$769,000

Down Payment: 20%

$153,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,966

Principal & Interest: $3,966

Property taxes (est.): $1,023

Insurance (est.): $513

Estimated Total Monthly

$5,502

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,966

Property taxesest. at asking price, St. Johns County$1,023

HOAbilled annually$104

Estimated total, before insurance$5,093/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,719/yr · $477/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	$618,633	$387,877	—
2024	$617,186	$376,238	—
2023	$631,121	$363,823	—
2022	$597,796	$351,770	—
2021	$425,059	$340,068	—
2020	$381,945	$331,945	—

2025 property taxes (current owner): $5,719/yr

Estimated taxes if purchased at asking price: ~$12,300/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 2017)

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

Solar potential: ~1,665 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

Jun 27, 2026Listed$769,000

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

Features

Price$769,000

Price / Sq Ft$233

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,305

Acres0.27 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address195 Manor Lane, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionOxford Estates

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size11,761.2 sq ft

Parcel Number0023951030

Amenities

AmenitiesPool, Dog Park, Gated, Playground

UtilitiesCable Available, Electricity Connected

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Split Bedrooms

AppliancesDishwasher, Disposal, Gas Cooktop, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryIn Unit

SecuritySmoke Detector(s)