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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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Active

Active·92 days on market·Oxford Estates

515 Oxford Estates Way

St. Johns, FL 32259

$849,500$263/sqftEst. $4,668/mo mortgageMLS# 2156826
↓ $40,400 below original list
4
Beds
3
Baths
3,226
Sq Ft
2016
Built
3
Garage
Yes
Pool

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

FEMA Zone XHOA $104/moSingle Family Residence1 story

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About this home

Oxford Estates

Make a splash in this beautiful David Weekley-built pool home, located in the highly desirable gated community of Oxford Estates. Situated on a prime preserve lot, this home offers exceptional privacy, lush landscaping, a paver driveway, and has been lovingly maintained and is truly move-in ready. Featuring 4 bedrooms, an office or den, 3 full baths, and a formal dining room currently being used as a billiards room, this spacious home offers plenty of room for both everyday living and entertaining. The top-of-the-line kitchen features 42-inch cabinetry, stainless steel appliances, a built-in oven and microwave, gas cooktop, stainless steel wall-mounted range hood, tile backsplash, large walk-in pantry, and an oversized island with breakfast bar seating. The kitchen opens seamlessly to the family room, creating a warm and inviting gathering space. Wood-look tile flooring flows throughout the foyer, dining room, family room, kitchen, office, and one of the bedrooms. Oversized pocket

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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$4,668
Property taxesest. at asking price, St. Johns County$1,130
HOAbilled annually$104
Estimated total, before insurance$5,903/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$849,500
$169,900
Loan Term
Monthly Payment
$4,668
Principal & Interest: $4,668
Property taxes (est.): $1,130
Insurance (est.): $566
Estimated Total Monthly
$6,365
*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: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,673 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.

History

Price & status history

  • Oct 2, 2026Price change$849,500−$10,400
  • Sep 10, 2026Price change$859,900−$10,000
  • Aug 25, 2026Price change$869,900−$5,000
  • Aug 6, 2026Price change$874,900−$15,000
  • Jul 24, 2026Listed$889,900

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 $237/sq ft; this home is listed at $263/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
146 Clarendon Road, St. Johns, FL 32259Listed by ASSIST2SELL FULL SERVICE REALTY LLC.Sep 2026$675,000$2374/32,846420.4
487 S Aberdeenshire Drive, St. Johns, FL 32259Listed by HOVER GIRL PROPERTIESSep 2026$495,000$1445/33,428550.6
483 S Aberdeenshire Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$415,000$1814/32,2882190.6
681 Grampian Highlands Drive, St. Johns, FL 32259Listed by ENDLESS SUMMER REALTYOct 2026$559,499$2025/32,7741630.8
544 Cunningham Hollow Way, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$585,000$2574/22,27520.9
1587 Scottridge Lane, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$1,100,000$3804/3.52,891231.1

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$849,500
Price / Sq Ft$263
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage3,226
Year Built2016
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo
Gated CommunityYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryCunningham Creek
Reported middleSwitzerland Point
Reported highBartram Trail
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address515 Oxford Estates Way, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionOxford Estates
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0023950480
ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Playground
Community FeaturesSidewalks, Gated, Curbs
UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchPorch, Screened
FencingBack Yard
RoofShingle
ConstructionOther, Frame, Stone Veneer, Stucco
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedJuly 24, 2026
Days on Market87
HOA Fees$1,250 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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