This home is in Julington Creek, St. Johns.

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Active

Active·Listed today·Julington Creek

728 E Cumberland Court

St. Johns, FL 32259

$649,900$286/sqftEst. $3,459/moMLS# 2154251

Beds

Baths

2,271

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

Julington Creek

Oaks arching over the street & neighbors that wave when you're out for a walk. This is the type of neighborhood that makes you want to put down roots. Inside, you'll find wide plank floors, arched windows, and plantation shutters that let the natural light in all day long. There's a flex space off the main living area, perfect for a formal sitting room, music room, or whatever fits your life best. The kitchen, thoughtfully updated, is made for real living, quartz counters, an oversized island, and plenty of room to gather. The primary suite is a genuine retreat. Glass barn doors slide open to a spa style bath with a soaking tub,vessel sinks & a closet big enough to actually be useful. Out back, the fully fenced yard wraps around a sparkling saltwater pool & covered lanai, ideal for evenings by the fire pit. And the neighborhood keeps giving: two community pools, including the brand new Tide & Tonic bar and restaurant, tennis courts, a state of the art gym, skate park & playgrounds

Cost to own

Mortgage calculator

Home Price

$649,900

Down Payment: 20%

$129,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,303

Principal & Interest: $3,303

Est. Taxes & Insurance: $826

Estimated Total Monthly

$4,129

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). 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$3,459

Property taxesest. at asking price, St. Johns County$865

HOAbilled annually$48

Estimated total, before insurance$4,372/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

Last sold: $500,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$458,602	$276,202	—
2023	$425,629	$266,701	—
2022	$410,907	$257,477	—
2021	$321,590	$248,521	—
2020	$304,422	$244,399	—

2025 property taxes (current owner): $7,579/yr

Estimated taxes if purchased at asking price: ~$10,400/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 (2024), 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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2000)

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: ~1,694 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 17, 2026Active$649,900
Jul 5, 2026Listed$649,900

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

Features

Price$649,900

Price / Sq Ft$286

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,271

Acres0.21 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesHeated, Salt Water, Screen Enclosure

Is WaterfrontNo

School Information

ElementaryJulington Creek

MiddleFruit Cove

HighCreekside

Community Information

Address728 E Cumberland Court, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size9,147.6 sq ft

Parcel Number2494400800

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Management- On Site, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup