This home is in Celestina, St. Johns.

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Active

Active·Listed today·Celestina

186 Azura Point

St. Johns, FL 32259

$975,000$251/sqftEst. $4,956/moMLS# 2156479

Beds

Baths

3,879

Sq Ft

2020

Built

Garage

Pool

About this home

Celestina

This exceptional custom-upgraded home has 4 bedrooms, 5 baths and office. Located on a premium preserve lot in Celestina w/3,879-sf, this home has extensive carefully selected upgrades designed for both luxury living and effortless entertaining.The floor plan provides privacy and flexibility for all. The owner's suite features a custom California Closet system, spa-inspired bath, oversized walk-in shower, and designer finishes. Bedrooms 3 and 4 offer private ensuite bathrooms and walk-in closets. The first-floor 4th bedroom is conveniently located next to a full bath with custom walk-in shower.A gourmet kitchen is the centerpiece of the home, with quartz countertops, custom cabinetry, designer backsplash, stainless steel appliances, walk-in pantry, oversized center island, and abundant storage. The kitchen opens into an expansive great room, highlighted by a dramatic 100-inch electric fireplace with a custom floor-to-ceiling feature wall and mantel and an amazing 100-inch digital TV

Cost to own

Mortgage calculator

Home Price

$975,000

Down Payment: 20%

$195,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,956

Principal & Interest: $4,956

Property taxes (est.): $1,297

Insurance (est.): $650

Estimated Total Monthly

$6,903

*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$4,956

Property taxesest. at asking price, St. Johns County$1,297

HOAbilled monthly$242

Estimated total, before insurance$6,495/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): $9,089/yr

Estimated taxes if purchased at asking price: ~$15,600/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 — year not disclosed (home built 2020)

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

Solar potential: ~1,767 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

Jul 22, 2026Listed$975,000

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

Features

Price$975,000

Price / Sq Ft$251

Bedrooms4

Bathrooms5.00

Full Baths5

Square Footage3,879

Acres0.28 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesNorth

Community Information

Address186 Azura Point, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionCelestina

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size12,196.8 sq ft

Parcel Number0057322870

Amenities

AmenitiesPool, Other, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Management - Part Time, Park, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces2

Fireplace FeaturesElectric, Outside, Wood Burning

# of Stories2

LevelsTwo

LaundrySink, Upper Level

Security24 Hour Security, Carbon Monoxide Detector(s), Gated with Guard, Security Gate, Security Lights, Smoke Detector(s)