This home is in Aberdeen, St. Johns.

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Active·1 day on market·Aberdeen

190 Lochnagar Mountain Drive

St. Johns, FL 32259

$419,900$268/sqftEst. $2,141/moMLS# 2157013

Beds

Baths

1,564

Sq Ft

2017

Built

Garage

Pool

About this home

Aberdeen

Welcome home to this beautifully maintained, one-owner residence tucked away on a quiet cul-de-sac. Lovingly cared for since it was built, this home reflects true pride of ownership with its immaculate condition and thoughtful updates throughout. Step inside to discover an open, inviting floor plan featuring spacious living areas, stylish finishes, and abundant natural light. The well-appointed kitchen flows seamlessly into the family and dining areas, making it perfect for everyday living and entertaining. The split-bedroom layout offers privacy, while the owner's suite provides a peaceful retreat. Enjoy the exceptional resort style amenities! Conveniently located near shopping, dining, top-rated schools, and major roadways, this move-in-ready home offers the perfect combination of comfort, quality, and location. Don't miss this rare opportunity to own a meticulously cared-for home on one of the community's most desirable cul-de-sac streets.

Cost to own

Mortgage calculator

Home Price

$419,900

Down Payment: 20%

$83,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,141

Principal & Interest: $2,141

Property taxes (est.): $559

Insurance (est.): $280

Estimated Total Monthly

$2,980

*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$2,141

Property taxesest. at asking price, St. Johns County$559

HOAbilled annually$4

Estimated total, before insurance$2,704/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,717/yr · $560/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): $6,717/yr

Estimated taxes if purchased at asking price: ~$6,700/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 2017)

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

Solar potential: ~1,774 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