This home is in Stillwater, St. Johns.

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Active

Active·Listed today·Stillwater

99 Round Robin

St. Johns, FL 32259

$445,000$247/sqftEst. $2,269/moMLS# 2157142

Beds

Baths

1,800

Sq Ft

2025

Built

Garage

Pool

About this home

Stillwater

Resort-Style 55+ Living in Stillwater! Welcome home to this gently used 4-bedroom, 2-bathroom gem situated on a premium waterfront lot on a quiet cul-de-sac right near the community entrance. Inside, enjoy bright living spaces and a luxurious owner's suite featuring brand-new carpet, double vanity and huge walk-in closet, and an oversized walk-in shower. Move-in ready with all major appliances included, plus washer and dryer! Step outside to a private, fully fenced yard--perfect for your furry friends and relaxing by the water. Located in St. Johns County's premier gated 55+ community, Stillwater offers world-class amenities: golf course, clubhouse, resort pool, fitness center, tennis, pickleball, and bocce ball courts. Coastal luxury meets low-maintenance living!

Cost to own

Mortgage calculator

Home Price

$445,000

Down Payment: 20%

$89,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,269

Principal & Interest: $2,269

Property taxes (est.): $592

Insurance (est.): $297

Estimated Total Monthly

$3,158

*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$2,269

Property taxesest. at asking price, St. Johns County$592

HOAbilled monthly$710

Estimated total, before insurance$3,571/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,410/yr · $368/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): $4,410/yr

Estimated taxes if purchased at asking price: ~$7,100/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.

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 2025)

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

Solar potential: ~1,607 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 26, 2026Listed$445,000

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

Features

Price$445,000

Price / Sq Ft$247

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,800

Acres0.14 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

55+ CommunityYes

Direction FacesSouth

Community Information

Address99 Round Robin, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionStillwater

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,098.4 sq ft

Parcel Number0098620180

ZoningResidential

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Trees/Woods, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)