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 Twin Creeks North, St. Johns — a golf course home in St. Johns County.

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Active

Active·54 days on market·Twin Creeks North

182 Killarney Avenue

St. Johns, FL 32259

$345,000$202/sqftEst. $1,772/moMLS# 2153263

Beds

Baths

1,710

Sq Ft

2022

Built

Garage

Pool

About this home

Twin Creeks North

Welcome to your vacation at home at Beachwalk! This golf cart community offers white sandy beaches overlooking the 14-acre crystal lagoon pool with a swim-up bar, 2 dueling water slides, complimentary kayaking and paddle boarding, clubhouse with restaurant, fitness center with showers and lockers, childcare facility, dog splash park, putting green, kids playground, tennis and pickleball courts.Community events include vendor markets, holiday golf cart parades, trivia nights, poker tournaments, yoga classes, water aerobics, kids summer camps, tennis leagues, special holiday events, wine & dining experiences and so much more, right in your own neighborhood! This move in ready, delightful home offers 3 beds, 2.5 baths, and a delightful open floor plan with a screened rear porch. Master suite offers luxurious private bath and huge walk in closet!. Move right in!

Cost to own

Mortgage calculator

Home Price

$345,000

Down Payment: 20%

$69,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,772

Principal & Interest: $1,772

Property taxes (est.): $459

Insurance (est.): $230

Estimated Total Monthly

$2,461

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,772

Property taxesest. at asking price, St. Johns County$459

HOAbilled quarterly$201

Estimated total, before insurance$2,432/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,769/yr · $731/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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: $420,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$370,888	$316,476	—
2024	$399,179	$306,849	—
2023	$346,455	$296,455	—
2022	$84,000	$71,500	—
2021	$65,000	$65,000	—
2020	$65,000	$64,886	—

2025 property taxes (current owner): $8,769/yr

Estimated taxes if purchased at asking price: ~$5,500/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: ~1,747 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 27, 2026Price change$345,000−$15,000
Jul 13, 2026Price change$360,000−$15,000
Jul 1, 2026Listed$375,000

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

Features

Price$345,000

Price / Sq Ft$202

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,710

Acres0.11 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address182 Killarney Avenue, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionTwin Creeks North

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,791.6 sq ft

Parcel Number0237190510

Amenities

AmenitiesBarbecue, Basketball Court, Beach Access, Children's Pool, Clubhouse, Dog Park, Fitness Center, Golf Course, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Off Street