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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Sold

Sold·Closed Sep 25, 2026·42 days on market·Recent sales in Aberdeen·Aberdeen

43 Cruden Bay Court

St. Johns, FL 32259

$440,000sold priceListed at $445,000 · 98.9% of asking$216/sqftMLS# 2153608
4
Beds
3
Baths
2,041
Sq Ft
2019
Built
2
Garage
No
Pool

23 more homes for sale in Aberdeen →Search Aberdeen on the map

FEMA Zone XHOA $4/mo8,712 sqft lotSingle Family Residence1 story

About this home

Aberdeen

Discover the perfect blend of privacy, location, and functionality in this 4-bedroom, 3-bath home in Sutherland Forest at Aberdeen. Situated at the end of a quiet cul-de-sac on a premium preserve lot with wooded views behind and to one side, this home offers privacy and a peaceful setting. Inside, the desirable open-concept floor plan features spacious living areas ideal for entertaining and everyday life. Enjoy Florida living from the screened lanai overlooking the large, fully fenced backyard with plenty of room for pets, play, or relaxation. Walk to the A-rated K-8 Freedom Crossing Academy just down the road and enjoy quick access to shopping, dining, and major commuter routes. Residents also enjoy Aberdeen's resort-style amenities, including a lap pool, recreational pool, fitness center, and playground. This move-in ready home offers the lifestyle today's buyers are searching for in sought-after St. Johns County.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,437
Property taxesest. at asking price, St. Johns County$585
HOAbilled annually$4
Estimated total, before insurance$3,027/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,633/yr · $469/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$440,000
$88,000
Loan Term
Monthly Payment
$2,437
Principal & Interest: $2,437
Property taxes (est.): $586
Insurance (est.): $293
Estimated Total Monthly
$3,316
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2019)

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

Solar potential: ~1,405 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$388,458$233,465—
2024$388,342$226,178—
2023$405,335$218,134—
2022$398,867$210,324—
2021$277,420$202,742—
2020$265,983$199,252—

2025 property taxes (current owner): $5,633/yr

Estimated taxes if purchased at asking price: ~$7,000/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.

History

Price & status history

  • Oct 1, 2026Closed$445,000
  • Aug 22, 2026Pending$445,000
  • Aug 6, 2026Price change$445,000−$5,000
  • Jul 14, 2026Active$450,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $229/sq ft; this home is listed at $218/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
737 Shetland Drive, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNSSep 2026$400,000$2343/21,70980.2
35 Spey Bay Court, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$540,000$2174/42,489360.2
201 Granite City Avenue, St. Johns, FL 32259Listed by THE LEGENDS OF REAL ESTATESep 2026$515,000$2184/32,361610.3
121 Balmoral Castle Drive, St. Johns, FL 32259Listed by 1 REALTY CORPSep 2026$440,000$2294/21,923430.3
190 Lochnagar Mountain Drive, St. Johns, FL 32259Listed by ASHLEY HOMES REALTY LLCSep 2026$402,000$2573/21,564130.5
294 Grampian Highlands Drive, St. Johns, FL 32259Listed by RE/MAX SPECIALISTSAug 2026$452,000$2214/32,04150.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$445,000
Price / Sq Ft$218
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,041
Acres0.20 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

Community Information

Address43 Cruden Bay Court, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionAberdeen
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size8,712 sq ft
Parcel Number0097629170
ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Park, Playground
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Oven, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchRear Porch, Screened
FencingBack Yard, Vinyl
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 15, 2026
Days on Market42
HOA Fees$50 / Annually
HOA FrequencyAnnually
Tax Amount$5,633.4
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BRIDGE & BEACON REAL ESTATE LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Aberdeen

Aberdeen is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Aberdeen homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 25, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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