This home is in Aberdeen, St. Johns.

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Active Under Contract

Active Under Contract·1 day on market·Aberdeen

384 Shetland Drive

St. Johns, FL 32259

$400,000$256/sqftEst. $2,129/moMLS# 2155815

Beds

Baths

1,564

Sq Ft

2017

Built

Garage

Pool

About this home

Aberdeen

Welcome to 384 Shetland Dr in Aberdeen, located in the heart of St. Johns, FL 32259! Just a short bike ride to Freedom Crossing Academy (K-8), this beautifully maintained DR Horton San Marco floor plan, built in 2017, offers the perfect blend of comfort and move-in-ready living. Featuring 3 bedrooms, 2 bathrooms, and a bright open-concept design, this home has been recently refreshed with new interior paint throughout and professionally cleaned carpets, making it ready for its next owners from day one. The kitchen flows seamlessly into the living and dining areas, creating the perfect setting for everyday living, family gatherings, and entertaining guests. Step outside to enjoy the screened lanai, an ideal space for morning coffee or relaxing evenings, overlooking a fully vinyl-fenced backyard that offers plenty of room for children, pets, or outdoor entertaining. If you've been searching for a move-in-ready home in St. Johns County, you won't want to miss 384 Shetland Drive.

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Est. Taxes & Insurance: $508

Estimated Total Monthly

$2,541

*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$2,129

Property taxesest. at asking price, St. Johns County$532

HOAbilled annually$4

Estimated total, before insurance$2,665/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

2025 property taxes (current owner): $6,855/yr

Estimated taxes if purchased at asking price: ~$6,400/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, 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 2017)

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

Solar potential: ~1,777 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 18, 2026Active Under Contract$400,000
Jul 17, 2026Listed$400,000

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

Features

Price$400,000

Price / Sq Ft$256

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,564

Acres0.15 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryFreedom Crossing Academy

MiddleFreedom Crossing Academy

HighBartram Trail

Community Information

Address384 Shetland Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionAberdeen

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,534 sq ft

Parcel Number0097627280

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Management - Full Time, Management- On Site, Park, Playground

UtilitiesElectricity Connected, Natural Gas Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Gas Range, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryLower Level