Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Stillwater, St. Johns — a 55+ community home in St. Johns County.

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Active

Active·Listed today·Stillwater

126 Round Robin

St. Johns, FL 32259

$450,000$231/sqftEst. $2,294/moMLS# 2156662

Beds

Baths

1,944

Sq Ft

2024

Built

Garage

Pool

About this home

Stillwater

Welcome to resort-style living where unlimited golf is included in your monthly HOA fee! Nestled on a quiet cul-de-sac with tranquil lake views in Stillwater Golf & Country Club, St. Augustine's premier gated 55+ active adult community, this beautifully upgraded, almost new home combines elegant design, thoughtful finishes, and low-maintenance living. From the moment you step inside, you'll appreciate the wood-look tile flooring, custom interior paint, plantation shutters, upgraded lighting and ceiling fans, and an open-concept floor plan designed for comfortable everyday living and effortless entertaining. The gourmet kitchen is a standout, featuring quartz countertops, a custom tile backsplash, stainless steel appliances, a five-burner gas cooktop, double convection oven, deep single-basin sink with gooseneck faucet, and custom pull-out cabinet drawers. The spacious primary suite offers a spa-inspired retreat with a luxurious walk-in shower featuring a rain shower head and

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $599

Insurance (est.): $300

Estimated Total Monthly

$3,193

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,294

Property taxesest. at asking price, St. Johns County$599

HOAbilled monthly$710

Estimated total, before insurance$3,603/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,331/yr · $778/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$416,664	$416,664	—
2024	$120,000	$110,000	—
2023	$100,000	$100,000	—
2022	$100,800	$100,800	—

2025 property taxes (current owner): $9,331/yr

Estimated taxes if purchased at asking price: ~$7,200/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.

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 2024)

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

Solar potential: ~1,607 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

Price & status history

Jul 31, 2026Active$450,000
Jul 23, 2026Listed$450,000

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

Features

Price$450,000

Price / Sq Ft$231

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,944

Total Structure Area2,725 sq ft

Acres0.27 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBeachside

Community Information

Address126 Round Robin, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionStillwater

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size11,761.2 sq ft

Parcel Number0098620130

ZoningResidential

Amenities

AmenitiesPool, Other, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Pickleball, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Other

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate, Smoke Detector(s)