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This home is in Bartram Ranch, St. Johns — a home near Bartram Trail High School.

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Active

Active·2 days on market·Bartram Ranch

34 Red Rock Lane

St. Johns, FL 32259

$749,000$242/sqftEst. $3,847/moMLS# 2153519

Beds

Baths

3,099

Sq Ft

2022

Built

Garage

Pool

About this home

Bartram Ranch

Luxury, location, and one of Bartram Ranch's largest cul-de-sac lots. Built by Toll Brothers, this exceptional home is better than new with premium upgrades already complete and perfectly positioned across from one of St. Johns County's top-rated schools. The spacious backyard offers room for a future pool and plenty of green space. The open-concept design is filled with natural light and showcases wood flooring throughout the main living areas. The chef's kitchen features quartz countertops, KitchenAid appliances, a gas cooktop, walk-in pantry, and a butler's pantry with a built-in coffee and wine bar. A dedicated office, versatile upstairs loft, whole-house generator, premium window treatments, abundant storage, tandem 3-car garage with epoxy flooring, and an oversized screened lanai complete the home. Located in Bartram Ranch, one of St. Johns County's premier no-CDD communities, residents enjoy a resort-style pool, fitness center, clubhouse, and top-rated schools just steps away.

Cost to own

Mortgage calculator

Home Price

$749,000

Down Payment: 20%

$149,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,847

Principal & Interest: $3,847

Property taxes (est.): $997

Insurance (est.): $499

Estimated Total Monthly

$5,343

*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$3,847

Property taxesest. at asking price, St. Johns County$997

HOAbilled quarterly$141

Estimated total, before insurance$4,984/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,914/yr · $659/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

Last sold: $557,100 in January 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$652,808	$550,801	—
2024	$662,449	$534,570	—
2023	$567,544	$517,544	—
2022	$112,000	$82,500	—
2021	$75,000	$75,000	—

2025 property taxes (current owner): $7,914/yr

Estimated taxes if purchased at asking price: ~$12,000/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: ~1,629 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 20, 2026Price change$749,000−$26,000
Jul 9, 2026Active$775,000

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

Features

Price$749,000

Price / Sq Ft$242

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,099

Acres0.36 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHickory Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address34 Red Rock Lane, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionBartram Ranch

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size15,681.6 sq ft

Parcel Number0006900810

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Playground

UtilitiesElectricity Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached Carport, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Washer, Washer/Dryer Stacked, Water Softener Owned

HeatingElectric

CoolingElectric

FlooringWood

# of Stories2

LevelsTwo