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This home is in Julington Creek, St. Johns — a home near Creekside High School.

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Active

Active·45 days on market·Julington Creek

713 Chesswood Court

St. Johns, FL 32259

$519,000$224/sqftEst. $2,665/moMLS# 2154655

Beds

Baths

2,312

Sq Ft

1989

Built

Garage

Pool

About this home

Julington Creek

Welcome home to this custom-designed 4-BR, 3-BA single-story home nestled at the end of a quiet cul-de-sac. Boasting 2,312 sq. ft. of open-concept living, this bright, flexible layout features high ceilings and abundant natural light. A standout feature is a spacious bedroom with a separate exterior entrance--perfect for a private home office, client-facing business space, guest suite, or multigenerational living. The layout offers maximum versatility for work, play, and family needs. Designed to maximize serene outdoor views, four sliding glass doors throughout--including the main living area, kitchen, and two bedrooms--allow easy access to your private, luscious lawn and peaceful wooded preserve backdrop with no rear neighbors! Perks include a brand-new A/C, mature fruit trees, an irrigation well, NO CDD fees, and low HOA costs. Walk to the elementary school through the neighborhood! Enjoy St. Johns County's top-rated schools and parks. Owner is a licensed FL real estate agent.

Cost to own

Mortgage calculator

Home Price

$519,000

Down Payment: 20%

$103,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,665

Principal & Interest: $2,665

Property taxes (est.): $691

Insurance (est.): $346

Estimated Total Monthly

$3,702

*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$2,665

Property taxesest. at asking price, St. Johns County$691

HOAbilled annually$48

Estimated total, before insurance$3,404/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,183/yr · $432/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
2024	$361,242	$338,014	—
2023	$374,744	$307,285	—
2022	$369,030	$279,350	—
2021	$253,955	$253,955	—
2020	$235,333	$177,487	—

2025 property taxes (current owner): $5,183/yr

Estimated taxes if purchased at asking price: ~$8,300/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 1989)

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

Solar potential: ~1,606 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