This home is in Julington Lakes, Jacksonville.

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Active·Listed today·Julington Lakes

448 Pine Haven Drive

Jacksonville, FL 32259

$789,000$295/sqftEst. $4,023/moMLS# 2157270

Beds

Baths

2,673

Sq Ft

2022

Built

Garage

Pool

About this home

Julington Lakes

Welcome to this beautifully upgraded 2022 home in the highly sought-after gated community of Julington Lakes in St. Johns County. This thoughtfully designed residence offers 3 spacious bedrooms, 3 full bathrooms, and a dedicated home office, providing the perfect blend of comfort, style, and functionality. The open-concept layout features impressive 14-foot ceilings in the main living area and 12-foot ceilings throughout the remainder of the home, creating an airy, light-filled atmosphere. The gourmet kitchen is designed for both everyday living and entertaining, complete with a dedicated spice drawer for added convenience. Four-panel sliding glass doors fully retract into the wall, seamlessly connecting the indoor and outdoor living spaces. The luxurious owner's suite offers two generous walk-in closets, while additional upgrades include an oversized 8-foot garage door, a convenient garage-to-backyard access door, and a premium black aluminum puppy picket fence with a self-latching

Cost to own

Mortgage calculator

Home Price

$789,000

Down Payment: 20%

$157,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,023

Principal & Interest: $4,023

Property taxes (est.): $1,050

Insurance (est.): $526

Estimated Total Monthly

$5,599

*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$4,023

Property taxesest. at asking price, St. Johns County$1,050

HOAbilled monthly$190

Estimated total, before insurance$5,263/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,678/yr · $640/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): $7,678/yr

Estimated taxes if purchased at asking price: ~$12,600/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.

History