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 home near Bartram Trail High School.

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456 Bay Point Way N

St. Johns, FL 32259

$460,000$218/sqftEst. $2,345/moMLS# 2155773

Beds

Baths

2,107

Sq Ft

1997

Built

Garage

Pool

About this home

St. Johns

Welcome to this 4-bdrm, 2-bath waterfront home tucked away on a quiet cul-de-sac in the highly desirable Cunningham Creek community in St. Johns county. Situated on an oversized .41-acre lot, this 2,107sf home offers the perfect blend of comfort, space, and functionality. Inside you'll find an open and inviting floor plan with bamboo wood flooring, a cozy fireplace, and a spacious kitchen that flows seamlessly into the main living areas. The home features an extra-large flex space that can easily serve as a family room, additional living area, or office just off the kitchen--perfect for working from home, a playroom, or hobby space. The split-bedroom layout provides added privacy, while the primary suite features a double vanity, garden tub, and separate shower. Step outside to enjoy the expansive, fenced backyard with plenty of room for entertaining, gardening, or future enhancements. Conveniently located near top-rated St. Johns County schools! Roof 2019, HVAC 2020.

Cost to own

Mortgage calculator

Home Price

$460,000

Down Payment: 20%

$92,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,345

Principal & Interest: $2,345

Property taxes (est.): $612

Insurance (est.): $307

Estimated Total Monthly

$3,264

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,345

Property taxesest. at asking price, St. Johns County$612

HOAbilled annually$27

Estimated total, before insurance$2,984/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,064/yr · $422/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): $5,064/yr

Estimated taxes if purchased at asking price: ~$7,300/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, 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 — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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