This home is in Bartram Ranch, St. Johns — a new construction home in St. Johns County.
Active·44 days on market·Bartram Ranch
303 Sapling Terrace
St. Johns, FL 32259
About this home
Bartram Ranch
Ready for occupancy September 2026 is this Barnwell Farmhouse by Toll Brothers, ''Americas Luxury Builder''. The Barnwell has three bedrooms, three full baths, an office and a large open concept great room. The owners suite features a tray ceiling, a huge walk in closet that leads directly to the laundry room and a spa like bath with freestanding tub, walk in shower and his ankd hers vanities.This home has been beautifully appointed by our award winning design studio and features Kitchenaid appliances, stacked cabinets, engineered wood flooring, level 6 quartz tops and beautiful lighting fixtures.This home sits on a large homesite that backs up to dense woods and is located in the gated Homestead section of Bartram Ranch. Call today to schedule your private tour with one of our knowledgable on-site sales counselors today.
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $165,000 | $165,000 | — |
| 2024 | $70,000 | $70,000 | — |
Estimated taxes if purchased at asking price: ~$12,400/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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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 21, 2026Price change$775,000−$49,000
- Jul 20, 2026Price change$824,000−$1,000
- Jul 1, 2026Listed$825,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Bartram Ranch
Bartram Ranch is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Bartram Ranch homes for sale →Listing Courtesy of: JACKSONVILLE TBI REALTY, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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