Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Johns — a gated community home in St. Johns County.

1 / 48

Active

Active·45 days on market

91 Lambert Road

St. Johns, FL 32259

$559,900$182/sqftEst. $2,878/moMLS# 2155010

Beds

Baths

3,070

Sq Ft

2022

Built

Garage

Pool

About this home

St. Johns

***No CDD Fee + $10,000 Buyer Incentive!*** Seller is offering up to $10,000 in concessions toward buyer's allowable closing costs, prepaids, and/or interest rate buy-down with an acceptable offer. Built in 2022 and beautifully maintained, this spacious 4-bedroom, 2.5-bath home offers over 3,070 square feet of thoughtfully designed living space and a rare 3-car garage. The open-concept floor plan is ideal for both everyday living and entertaining, featuring a stunning kitchen with a large quartz island, double wall ovens, gas cooktop, stainless steel appliances, designer backsplash, walk-in pantry, and abundant cabinetry--all overlooking the expansive family room and dining area. A versatile first-floor office/flex room is perfect for a home office, playroom, or study. Upstairs, the impressive 17' x 20' loft provides a second living area, media room, or game room, along with the convenience of an upstairs laundry room complete with a utility sink.

Cost to own

Mortgage calculator

Home Price

$559,900

Down Payment: 20%

$111,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,878

Principal & Interest: $2,878

Property taxes (est.): $745

Insurance (est.): $373

Estimated Total Monthly

$3,997

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,878

Property taxesest. at asking price, St. Johns County$745

HOAbilled monthly$164

Estimated total, before insurance$3,787/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,642/yr · $553/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

2025 property taxes (current owner): $6,642/yr

Estimated taxes if purchased at asking price: ~$8,900/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 1,595 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, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,666 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

Price & status history

Aug 17, 2026Price change$559,900−$14,000
Aug 4, 2026Price change$573,900−$25,100
Jul 16, 2026Active$599,000
Jun 20, 2026Listed$599,000

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

Features

Price$559,900

Price / Sq Ft$182

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage3,070

Acres0.15 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesWest

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBartram Trail

Community Information

Address91 Lambert Road, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionGrand Creek South

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,534 sq ft

Parcel Number0100813940

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Oven, Gas Cooktop, Instant Hot Water, Plumbed For Ice Maker, Tankless Water Heater

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Sink, Upper Level