This home is in Bartram Plantation, St. Johns.

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Active

Active·1 day on market·Bartram Plantation

517 S Bridge Creek Drive

St. Johns, FL 32259

$989,000$265/sqftEst. $5,043/moMLS# 2156986

Beds

Baths

3,731

Sq Ft

2005

Built

Garage

Yes

Pool

About this home

Bartram Plantation

The home you've been waiting for! This beautifully maintained 4-bedroom, 5-bath pool home is situated on a private, oversized .53 acre lot in the established Bartram Plantation community, zoned for top-rated St. Johns County schools. Enjoy Florida living year-round with a screened, heated saltwater pool and spacious lanai overlooking the beautifully landscaped, fenced backyard and tranquil lake beyond. Best of all--NO CDD fees! Major updates include a new roof (2020), tankless gas water heater, upgraded water softener (2022), and a three-car garage equipped with an electric vehicle charger. A thoughtfully designed floor plan offers formal living and dining rooms with a gas fireplace, plus a spacious family room featuring vaulted ceilings, custom built-ins, wood flooring, and picturesque backyard views. Tile flooring extends throughout much of the main living areas, complemented by crown molding and plantation shutters on all windows throughout.

Cost to own

Mortgage calculator

Home Price

$989,000

Down Payment: 20%

$197,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,043

Principal & Interest: $5,043

Property taxes (est.): $1,316

Insurance (est.): $659

Estimated Total Monthly

$7,018

*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$5,043

Property taxesest. at asking price, St. Johns County$1,316

HOAbilled annually$100

Estimated total, before insurance$6,459/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,961/yr · $913/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): $10,961/yr

Estimated taxes if purchased at asking price: ~$15,800/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,731 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$989,000

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

Features

Price$989,000

Price / Sq Ft$265

Bedrooms4

Bathrooms5.00

Full Baths5

Square Footage3,731

Acres0.53 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Pool Sweep, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontYes

School Information

ElementaryHickory Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address517 S Bridge Creek Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionBartram Plantation

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size23,086.8 sq ft

Parcel Number0011710910

ZoningResidential

Amenities

AmenitiesPlayground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDisposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Sink, Washer Hookup

SecuritySmoke Detector(s)