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 Julington Creek, St. Johns — a waterfront home in St. Johns County.

1 / 94

Active Under Contract

Active Under Contract·44 days on market·Julington Creek

824 Bugle Branch Way

St. Johns, FL 32259

$837,000$252/sqftEst. $4,299/moMLS# 2153579

Beds

Baths

3,320

Sq Ft

1999

Built

Garage

Yes

Pool

About this home

Julington Creek

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: 6.65%

Loan Term

Monthly Payment

$4,299

Principal & Interest: $4,299

Property taxes (est.): $1,114

Insurance (est.): $558

Estimated Total Monthly

$5,970

*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$4,299

Property taxesest. at asking price, St. Johns County$1,114

HOAbilled annually$48

Estimated total, before insurance$5,461/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,746/yr · $479/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	$645,499	$385,435	—
2024	$615,273	$373,865	—
2023	$593,122	$361,519	—
2022	$545,421	$349,533	—
2021	$406,584	$337,896	—
2020	$398,792	$332,540	—

2025 property taxes (current owner): $5,746/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 1,595 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 1999)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

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

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 24, 2026Active Under Contract$837,000
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 Under Contract

# 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

SubdivisionJulington Creek Plan

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