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 Aberdeen, St. Johns — a home near Bartram Trail High School.

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Pending

Pending·46 days on market·Aberdeen

79 Lochnagar Mountain Drive

St. Johns, FL 32259

$439,900$233/sqftEst. $2,262/moMLS# 2155988

Beds

Baths

1,886

Sq Ft

2016

Built

Garage

Pool

About this home

Aberdeen

Estate sale Saturday 8/22 only from 10am to 2 pm! Furniture, household items, tools, TVs and more! Come fall in LOVE with the Aberdeen lifestyle in this beautifully renovated, immaculate home! Featuring TWO ENSUITE BEDROOMS with tray ceilings; one with a walk in shower and one with a garden tub for the BEST of both worlds! Oversized ceramic tile, LVP flooring-no carpet! The kitchen has plentiful 42'' staggered cabinets with molding, center island, granite countertops, gas range, S/S appliances, recessed lighting, pendant lighting and a LARGE walk in pantry! The Sarasota floor plan offers 4 generous bedrooms and 3 baths with plenty of space for everyone. Fully fenced rear yard with tall privacy fencing, creating peaceful moments. Bonus points for a tankless water heater and a garage with shark coating! Very well maintained with low maintenance landscaping. Don't miss this one!!

Cost to own

Mortgage calculator

Home Price

$439,900

Down Payment: 20%

$87,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,262

Principal & Interest: $2,262

Property taxes (est.): $585

Insurance (est.): $293

Estimated Total Monthly

$3,140

*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$2,262

Property taxesest. at asking price, St. Johns County$585

HOAbilled annually$4

Estimated total, before insurance$2,851/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,714/yr · $559/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): $6,714/yr

Estimated taxes if purchased at asking price: ~$7,000/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 2016)

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

Solar potential: ~1,761 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

Sep 1, 2026Pending$439,900
Jul 22, 2026Active Under Contract$439,900
Jul 17, 2026Listed$439,900

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

Features

Price$439,900

Price / Sq Ft$233

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage1,886

Acres0.16 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryFreedom Crossing Academy

MiddleFreedom Crossing Academy

HighBartram Trail

Community Information

Address79 Lochnagar Mountain Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionAberdeen

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0097627360

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Maintenance Grounds, Management- On Site, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

SecuritySmoke Detector(s)