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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Julington Lakes, St. Johns — a waterfront home in St. Johns County.

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Active·92 days on market·Julington Lakes

240 Pine Haven Drive

St. Johns, FL 32259

$974,000$295/sqftEst. $5,353/mo mortgageMLS# 2156496
↓ $55,000 below original list
4
Beds
3.5
Baths
3,304
Sq Ft
2019
Built
3
Garage
No
Pool

13 more homes for sale in Julington Lakes →Search Julington Lakes on the map

FEMA Zone XHOA $192/mo9,583 sqft lotWaterfrontSingle Family Residence2 stories

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About this home

Julington Lakes

White oak hardwood floors run throughout the home, including the bedrooms and closets. The kitchen features custom inset cabinetry extending to the ceiling, marble countertops, an oversized island, Wolf gas range, and full-size built-in ice maker. The first floor includes the primary suite, private office currently styled as a nursery, laundry room, and main living spaces. Thoughtful upgrades throughout include upgraded baseboards, trimmed windows, crown molding, french doors, central vacuum, and a convenient laundry pass-through. Upstairs, abundant natural light fills the expanded loft and three additional bedrooms. One bedroom features an en suite bath, while the other two share a bathroom, and two of the bedrooms include walk-in closets. The expanded loft creates a spacious second living area for movie nights, game days, or everyday lounging. Outside, enjoy a screened extended lanai overlooking the pond, along with a firepit and built-in seating wall. The backyard is already pool-

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$5,353
Property taxesest. at asking price, St. Johns County$1,296
HOAbilled quarterly$192
Estimated total, before insurance$6,841/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,819/yr · $818/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$974,000
$194,800
Loan Term
Monthly Payment
$5,353
Principal & Interest: $5,353
Property taxes (est.): $1,296
Insurance (est.): $649
Estimated Total Monthly
$7,298
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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: material not specified — year not disclosed (home built 2019)

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

Solar potential: ~1,735 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,819/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.

History

Price & status history

  • Oct 8, 2026Price change$974,000−$20,000
  • Sep 28, 2026Price change$994,000−$5,000
  • Aug 19, 2026Price change$999,000−$30,000
  • Jul 22, 2026Listed$1,029,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $239/sq ft; this home is listed at $295/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
152 Pine Haven Drive, St. Johns, FL 32259Listed by HOVER GIRL PROPERTIESSep 2026$680,000$2613/22,610720.1
27 Timber Stand Road, St. Johns, FL 32259Listed by MOMENTUM REALTYSep 2026$726,000$2215/43,28980.2
128 Lakeview Pass Way, St. Johns, FL 32259Listed by ROUND TABLE REALTYAug 2026$984,000$2674/3.53,683540.3
1925 Barham Court, St. Johns, FL 32259Listed by UNITED REAL ESTATE GALLERYSep 2026$609,925$2275/42,685540.5
3220 Chestnut Court, St. Johns, FL 32259Listed by WATSON REALTY CORPSep 2026$660,000$2135/3.53,103110.6
275 Freshwater Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$775,000$2394/33,2441020.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$974,000
Price / Sq Ft$295
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,304
Acres0.22 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

School Information

Zoned elementaryFreedom Crossing Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryFreedom Crossing Academy
Reported highCreekside
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address240 Pine Haven Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionJulington Lakes
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size9,583.2 sq ft
Parcel Number0096823830

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Playground, Tennis Court(s)
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond, Trees/Woods
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDisposal, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Screened

Additional Information

Date ListedJuly 22, 2026
Days on Market88
HOA Fees$577 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds, Security
Tax Amount$9,819.4
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ROUND TABLE REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Julington Lakes

Julington Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Julington Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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