This home is in Oxford Estates, St. Johns.

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Active

Active·Listed today·Oxford Estates

515 Oxford Estates Way

St. Johns, FL 32259

$889,900$276/sqftEst. $4,537/moMLS# 2156826

Beds

Baths

3,226

Sq Ft

2016

Built

Garage

Yes

Pool

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

Cost to own

Mortgage calculator

Home Price

$889,900

Down Payment: 20%

$177,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,537

Principal & Interest: $4,537

Property taxes (est.): $1,184

Insurance (est.): $593

Estimated Total Monthly

$6,315

*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$4,537

Property taxesest. at asking price, St. Johns County$1,184

HOAbilled annually$104

Estimated total, before insurance$5,826/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.

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 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

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 24, 2026Listed$889,900

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

Features

Price$889,900

Price / Sq Ft$276

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

ElementaryCunningham Creek

MiddleSwitzerland Point

HighBartram Trail

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

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)