This home is in Stillwater, St. Johns.

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Active

48 Hammer Circle, St. Johns, FL 32259

$679,000

MLS# 2154264

Bedrooms

Bathrooms

2,027

Sq Ft

2023

Year Built

About This Home — 48 Hammer Circle

Luxury, elegance, and unforgettable views come together in this exceptional, move-in-ready residence situated on one of the most coveted homesites in the community. Perfectly positioned to capture panoramic views of the preserve, sparkling lake, and golf course, this premium lot offers privacy, tranquility, and one of the best locations in the neighborhood. From the moment you arrive, you'll appreciate the stunning paver driveway, inviting oversized front porch, and impeccable curb appeal. Inside, every detail has been thoughtfully upgraded, creating a home that is both sophisticated and welcoming. The open-concept floor plan showcases upgraded cabinetry, premium countertops, designer lighting, stylish ceiling fans, and luxury finishes throughout. At the heart of the home is a chef-inspired kitchen featuring abundant cabinetry, expansive prep space, and beautiful finishes. The spacious living and dining areas flow seamlessly together

Features

Price$679,000

Price / Sq Ft$335

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,027

Acres0.20 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Community Information

Address48 Hammer Circle, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionStillwater

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size8,712 sq ft

Parcel Number0098622390

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Management- On Site, Pickleball, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewGolf Course, Pond, Protected Preserve, Trees/Woods, Other

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Oven, Electric Range, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate

Spa FeaturesHeated, Above Ground

Exterior

Lot DescriptionCul-De-Sac, Many Trees, Sprinklers In Front, Sprinklers In Rear, Wooded

Patio / PorchCovered, Front Porch, Porch, Rear Porch, Screened

RoofShingle

Road SurfaceAsphalt

Road FrontagePrivate Road

Additional Information

Date ListedJuly 8, 2026

Days on Market0

HOA Fees$710.72 / Monthly

HOA FrequencyMonthly

HOA NameHampton Golf Inc

HOA Fee IncludesMaintenance Grounds, Pest Control

Tax Amount$7,328.71

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityYes

New ConstructionNo

About Stillwater

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

View all Stillwater homes for sale →

Mortgage Calculator

Home Price

$679,000

Down Payment: 20%

$135,800

Interest Rate: 7.00%

Loan Term

Monthly Payment

$3,614

Principal & Interest: $3,614

Est. Taxes & Insurance: $903

Estimated Total Monthly

$4,517

*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

True Monthly Cost

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

Principal & interest20% down · 7.0% · 30yr$3,614

Property taxesest. at asking price, St. Johns County$905

HOAbilled monthly$711

Estimated total, before insurance$5,230/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.

Taxes & Assessment

2025 property taxes (current owner): $7,329/yr

Estimated taxes if purchased at asking price: ~$10,900/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, NEFMLS.

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 2023)

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

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.