This home is in St. Johns.

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Active

Active·Listed today

824 Bugle Branch Way

St. Johns, FL 32259

$837,000$252/sqftEst. $4,455/moMLS# 2153579

Beds

Baths

3,320

Sq Ft

1999

Built

St. Johns

About this home

Welcome home to this beautifully updated pool home, perfectly situated on a premium waterfront homesite on a quiet cul-de-sac in the heart of St. Johns. The fully fenced backyard overlooks a scenic lake and preserve, creating a picturesque setting for everyday living and entertaining. Thoughtfully renovated and meticulously maintained, this spacious residence features a stunning 2020 kitchen remodel with custom wood cabinetry, Cambria quartz countertops, upgraded appliances, and an oversized island that seamlessly overlooks the open living spaces. The flexible floor plan includes 5 bedrooms, 3.5 bathrooms, a private office, and an expansive upstairs loft with a full bath- ideal as a media room, guest suite, playroom, or multi-generational living space. Step outside to your own backyard oasis featuring a covered lanai, sparkling pool and spa, lush professional landscaping, and expansive lake and preserve views.

Cost to own

Mortgage calculator

Home Price

$837,000

Down Payment: 20%

$167,400

Interest Rate: 7.00%

Loan Term

Monthly Payment

$4,455

Principal & Interest: $4,455

Est. Taxes & Insurance: $1,114

Estimated Total Monthly

$5,569

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$4,455

Property taxesest. at asking price, St. Johns County$1,115

HOAbilled annually$48

Estimated total, before insurance$5,619/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$645,499	$385,435	—

2025 property taxes (current owner): $7,173/yr

Estimated taxes if purchased at asking price: ~$13,400/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 1,859 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 1999)

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

Solar potential: ~1,766 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 9, 2026Active$837,000

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

Features

Price$837,000

Price / Sq Ft$252

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,320

Total Structure Area4,412 sq ft

Acres0.41 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontYes

School Information

ElementaryJulington Creek

MiddleFruit Cove

HighCreekside

Community Information

Address824 Bugle Branch Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionSouthwood

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size17,859.6 sq ft

Parcel Number2490242140

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Golf Course, Jogging Path, Park, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryLower Level, Washer Hookup