Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Stillwater, St. Johns — a 55+ community home in St. Johns County.

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Active

Active·Listed today·Stillwater

1477 Stillwater Boulevard

St. Johns, FL 32259

$565,000$248/sqftEst. $2,881/moMLS# 2157017

Beds

Baths

2,276

Sq Ft

2023

Built

Garage

Pool

About this home

Stillwater

The Stillwater lifestyle is waiting for you! Offering expansive water, golf, and preserve views, the desirable Independence plan features 4 bedrooms and 3.5 bathrooms. An inviting foyer leads to spacious living, dining, and kitchen areas. The well-appointed kitchen includes double ovens, a gas range, prep island, and generous pantry. A rarely available Nextgen suite has its own private entrance, living room, kitchenette, bedroom, bathroom, and garage--ideal for multigenerational living, guests, or a private retreat. Enjoy the inviting screened lanai, overlooking the 14th green. Other features include fenced yard, paver driveway, 3-car garage, water softener, tankless water heater, irrigation system. Stillwater is a premier gated 55+ resort community offering lawn care, clubhouse with restaurant and bar, 18-hole Bobby Weed golf course, Toptracer driving range, heated resort pool, fitness center, pickleball, tennis, and bocce ball. Convenient to I95, St. Augustine, shopping, and more!

Cost to own

Mortgage calculator

Home Price

$565,000

Down Payment: 20%

$113,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,881

Principal & Interest: $2,881

Property taxes (est.): $752

Insurance (est.): $377

Estimated Total Monthly

$4,009

*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$2,881

Property taxesest. at asking price, St. Johns County$752

HOAbilled monthly$711

Estimated total, before insurance$4,343/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,215/yr · $685/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): $8,215/yr

Estimated taxes if purchased at asking price: ~$9,000/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 2023)

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

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 30, 2026Active$565,000
Jul 24, 2026Listed$565,000

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

Features

Price$565,000

Price / Sq Ft$248

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,276

Acres0.14 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Direction FacesNortheast

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBeachside

Community Information

Address1477 Stillwater Boulevard, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionStillwater

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,098.4 sq ft

Parcel Number0098621780

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Management - Full Time, Pickleball, Security, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewGolf Course, Lake

Waterfront TypeLagoon, Lake Front, Pond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Gas Range, Gas Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)