This home is in Johns Creek, St. Augustine.

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Active

Active·1 day on market·Johns Creek

25 Summer Sun Way

St. Augustine, FL 32092

$740,000$271/sqftEst. $3,773/moMLS# 2156881

Beds

Baths

2,728

Sq Ft

2015

Built

Garage

Yes

Pool

About this home

Johns Creek

Welcome to this beautifully appointed 6-bedroom, 3-bath home designed for comfortable living and effortless entertaining. The open floor plan showcases vaulted ceilings, abundant natural light, and a spacious great room that flows into the gourmet kitchen featuring granite countertops, stainless steel appliances, double wall ovens, rich wood cabinetry, and an oversized island with seating. The generous primary suite offers walk-in closets, while the additional bedrooms provide plenty of space for family or guests. Step outside to your private backyard retreat with an in-ground pool and spa, expansive paver patio, covered outdoor kitchen, and multiple areas to relax or entertain. Completing the home is an impressive 3-car garage with epoxy floors, built-in storage, custom cabinetry, and ample workspace. This home truly has it all!

Cost to own

Mortgage calculator

Home Price

$740,000

Down Payment: 20%

$148,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,773

Principal & Interest: $3,773

Property taxes (est.): $985

Insurance (est.): $493

Estimated Total Monthly

$5,251

*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$3,773

Property taxesest. at asking price, St. Johns County$985

HOAbilled annually$30

Estimated total, before insurance$4,788/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,797/yr · $816/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,797/yr

Estimated taxes if purchased at asking price: ~$11,800/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, NEFMLS.

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 2015)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

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: ~1,764 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.

History

Price & status history

Jul 24, 2026Listed$740,000

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

Features

Price$740,000

Price / Sq Ft$271

Bedrooms6

Bathrooms3.00

Full Baths3

Square Footage2,728

Acres0.27 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Community Information

Address25 Summer Sun Way, St. Augustine, FL 32092

Area304- 210 South

SubdivisionJohns Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size11,761.2 sq ft

Parcel Number0099820310

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDouble Oven, Dryer, Electric Cooktop, Microwave, Refrigerator, Washer

HeatingElectric

CoolingCentral Air

FlooringCarpet, Wood

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

Spa FeaturesIn Ground