This home is in Julington Creek, St. Johns.

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Active·Listed today·Julington Creek

1245 Ribbon Road

St. Johns, FL 32259

$585,000$223/sqftEst. $2,973/moMLS# 2156212

Beds

Baths

2,625

Sq Ft

2003

Built

Garage

Yes

Pool

About this home

Julington Creek

Welcome home to this beautifully updated 4-bedroom, 2.5-bath residence, thoughtfully renovated in 2019 and designed with a warm coastal feel. Natural light fills the home, highlighting luxury vinyl plank flooring throughout the main living areas, crown molding downstairs and in the primary suite, and brushed nickel finishes throughout. The spacious kitchen is both stylish and functional, featuring quartz countertops, two-tone cabinetry, stainless steel appliances, under-cabinet lighting, a tile backsplash, garbage disposal, dishwasher, and an oversized pantry tucked beneath the staircase. Enjoy cozy evenings by the real wood-burning fireplace with a beautiful mantel or step outside to your private backyard retreat featuring an above-ground pool with a surrounding deck, full fencing, irrigation in both the front and back yards, gutters, a storage shed, playground, and trampoline--all included with the home. Additional upgrades include a 2020 roof, two brand-new HVAC systems, a brand-new

Cost to own

Mortgage calculator

Home Price

$585,000

Down Payment: 20%

$117,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,973

Principal & Interest: $2,973

Property taxes (est.): $778

Insurance (est.): $390

Estimated Total Monthly

$4,142

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,973

Property taxesest. at asking price, St. Johns County$778

HOAbilled quarterly$180

Estimated total, before insurance$3,932/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): $5,621/yr

Estimated taxes if purchased at asking price: ~$9,300/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2020 per the listing

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,770 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