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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 Oxford Estates, St. Johns — a pool home in St. Johns County.

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Sold

Sold·Closed Aug 14, 2026·3 days on market·Recent sales in Oxford Estates·Oxford Estates

200 White Horse Way

St. Johns, FL 32259

$1,050,000sold priceListed at $1,080,000 · 97.2% of asking$283/sqftMLS# 2156631
5
Beds
3.5
Baths
3,707
Sq Ft
2022
Built
3
Garage
Yes
Pool

6 more homes for sale in Oxford Estates →Search Oxford Estates on the map

FEMA Zone XHOA $104/mo10,890 sqft lotSingle Family Residence1 story

About this home

Oxford Estates

NEW PRICE! Welcome to 200 White Horse, a stunning 2022 Drees Homes Paigelynn (B) located in the gated community of Oxford Estates in St. Johns County. Enjoy the benefits of no CDD fees, a low HOA, top-rated schools, and convenient access to shopping, dining, and major roadways. This extended floor plan offers 10-foot ceilings throughout, 11-foot tray ceilings with custom wood beams, two fireplaces, luxury plank flooring, plantation shutters, custom California Closets, and designer lighting throughout. The chef's kitchen features floor-to-ceiling cabinetry, granite countertops, KitchenAid appliances, a gas cooktop, double ovens, wine cooler, walk-in pantry, and a massive 10-foot island. Step outside to your private backyard retreat featuring a saltwater pool and spa with water features and ambient lighting, a screened lanai, and a fully equipped outdoor kitchen with Blaze appliances--perfect for entertaining and enjoying Florida's outdoor lifestyle. The spacious owner's suite

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$5,816
Property taxesest. at asking price, St. Johns County$1,397
HOAbilled annually$104
Estimated total, before insurance$7,317/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,263/yr · $689/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

$1,050,000
$210,000
Loan Term
Monthly Payment
$5,816
Principal & Interest: $5,816
Property taxes (est.): $1,397
Insurance (est.): $700
Estimated Total Monthly
$7,913
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: Shingle — year not disclosed (home built 2022)

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

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: ~1,760 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$861,441$576,697—
2024$798,831$559,737—
2023$702,003$481,465—
2022$128,800$110,000—
2021$100,000$100,000—

2025 property taxes (current owner): $8,263/yr

Estimated taxes if purchased at asking price: ~$16,800/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 (2025), NEFMLS.

History

Price & status history

  • Aug 14, 2026Closed$1,080,000
  • Jul 26, 2026Pending$1,080,000
  • Jul 23, 2026Active$1,080,000
  • Jul 22, 2026Listed$1,080,000

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 $265/sq ft; this home is listed at $291/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
207 Hertford Bridge Way, St. Johns, FL 32259Listed by REDFIN CORPORATIONAug 2026$805,000$2754/32,93070.2
146 Clarendon Road, St. Johns, FL 32259Listed by ASSIST2SELL FULL SERVICE REALTY LLC.Sep 2026$675,000$2374/32,846420.3
318 Oxford Estates Way, St. Johns, FL 32259Listed by SERVICE REALTY, LLCJul 2026$845,000$2614/33,234130.7
408 Oxford Estates Way, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNSAug 2026$750,000$2734/32,745870.8
91 Lorijane Lane, St. Johns, FL 32259Listed by UNITED REAL ESTATE GALLERYJul 2026$720,000$2654/3.52,71631.1
487 S Aberdeenshire Drive, St. Johns, FL 32259Listed by HOVER GIRL PROPERTIESSep 2026$495,000$1445/33,428551.2

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$1,080,000
Price / Sq Ft$291
Bedrooms5
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,707
Acres0.25 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Fenced, Salt Water, Screen Enclosure, Waterfall
Is WaterfrontNo

Community Information

Address200 White Horse Way, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionOxford Estates
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size10,890 sq ft
Parcel Number0023961190

Amenities

AmenitiesPool, Dog Park, Park, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPool, Protected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces2
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySecurity Gate
Spa FeaturesIn Ground, Heated

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionWooded
Patio / PorchCovered, Patio, Porch, Rear Porch, Screened
FencingVinyl
RoofShingle
Other StructuresOutdoor Kitchen

Additional Information

Date ListedJuly 23, 2026
Days on Market3
HOA Fees$1,250 / Annually
HOA FrequencyAnnually
Tax Amount$8,262.63
Tax Year2025
Listing TermsConventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

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 Oxford Estates

Oxford Estates is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Oxford Estates homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 14, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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