This home is in St Johns Forest, Jacksonville.

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Active·Listed today·St Johns Forest

344 Alvar Circle

Jacksonville, FL 32259

$624,900$229/sqftEst. $3,176/moMLS# 2156508

Beds

Baths

2,734

Sq Ft

2006

Built

Garage

Pool

About this home

St Johns Forest

Located in one of Jacksonville's most sought-after zip codes, this 4-bedroom, 3-bath home offers a fantastic opportunity to own in the well-established 32259 corridor, known for top-rated St. Johns County schools, convenient access to shopping and dining, and a strong sense of community. The functional, livable layout offers comfortable spaces for everyday living and easy entertaining. This move-in ready home offers solid bones and exceptional long-term value, whether you choose to settle in as-is or personalize over time. Schedule your showing today, as homes in this community and price range move with purpose.

Cost to own

Mortgage calculator

Home Price

$624,900

Down Payment: 20%

$124,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,176

Principal & Interest: $3,176

Property taxes (est.): $832

Insurance (est.): $417

Estimated Total Monthly

$4,424

*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$3,176

Property taxesest. at asking price, St. Johns County$832

HOAbilled quarterly$247

Estimated total, before insurance$4,255/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): $4,056/yr

Estimated taxes if purchased at asking price: ~$10,000/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2006)

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

Solar potential: ~1,771 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

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