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

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Sold

Sold·Closed Sep 29, 2026·49 days on market·Recent sales in Julington Creek·Julington Creek

1844 W Windy Way

St. Johns, FL 32259

$510,000sold priceListed at $525,000 · 97.1% of asking$217/sqftMLS# 2153712
4
Beds
3
Baths
2,347
Sq Ft
2004
Built
3
Garage
No
Pool

6 more homes for sale in Julington Creek →Search Julington Creek on the map

FEMA Zone XHOA $48/mo10,890 sqft lotWaterfrontSingle Family Residence1 story

About this home

Julington Creek

Welcome to this beautifully maintained 4-bedroom, 3-bath home in the highly desirable Julington Creek Plantation community of St. Johns! Nestled on a quiet cul-de-sac, this spacious single-story residence offers an open and inviting floor plan with abundant natural light, split bedrooms, and a large kitchen featuring ample cabinetry, a breakfast bar, and casual dining space. The primary suite provides a private retreat with a walk-in closet and en-suite bath. Enjoy Florida living year-round from the enclosed lanai overlooking a peaceful backyard setting. Additional highlights include a 3-car garage, updated flooring, and access to exceptional community amenities. Located in a top-rated St. Johns County school district and convenient to shopping, dining, and major roadways, this home combines comfort, convenience, and lifestyle.

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$2,825
Property taxesest. at asking price, St. Johns County$679
HOAbilled annually$48
Estimated total, before insurance$3,552/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,516/yr · $460/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

$510,000
$102,000
Loan Term
Monthly Payment
$2,825
Principal & Interest: $2,825
Property taxes (est.): $679
Insurance (est.): $340
Estimated Total Monthly
$3,844
*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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2004)

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: ~1,720 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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

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

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

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$417,000$262,428—
2024$411,447$254,325—
2023$397,598$245,461—
2022$375,052$236,855—
2021$293,141$228,500—
2020$274,655$224,655—

2025 property taxes (current owner): $5,516/yr

Estimated taxes if purchased at asking price: ~$8,100/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

  • Sep 30, 2026Closed$525,000
  • Aug 29, 2026Pending$525,000
  • Aug 27, 2026Price change$525,000−$10,000
  • Aug 4, 2026Price change$535,000−$15,000
  • Jul 21, 2026Price change$550,000−$25,000
  • Jul 10, 2026Active$575,000

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 $238/sq ft; this home is listed at $224/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
616 E Tropical Trace, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$510,000$2924/21,746130.4
3920 E Glendale Court, St. Johns, FL 32259Listed by MOMENTUM REALTYAug 2026$660,000$2255/42,934400.4
569 Sparrow Branch Circle, St. Johns, FL 32259Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$410,000$2383/21,72400.8
408 S Elverton Place, St. Johns, FL 32259Listed by SERVICE REALTY, LLCSep 2026$428,900$2253/21,906780.9
1925 Barham Court, St. Johns, FL 32259Listed by UNITED REAL ESTATE GALLERYSep 2026$609,925$2275/42,685540.9
352 Arella Way, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNSSep 2026$659,900$2384/32,770111

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$525,000
Price / Sq Ft$224
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,347
Acres0.25 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes
Direction FacesSouthwest

School Information

Community Information

Address1844 W Windy Way, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionJulington Creek
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size10,890 sq ft
Parcel Number2495492250
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Golf Course, Jogging Path, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond, Trees/Woods
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Pantry
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Ice Maker, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate, Tile
# of Stories1

Exterior

Patio / PorchRear Porch
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 10, 2026
Days on Market49
HOA Fees$580 / Annually
HOA FrequencyAnnually
Tax Amount$5,516.05
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

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 Julington Creek

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

View all Julington Creek homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 29, 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.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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