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 Celestina, St. Johns — a home near Creekside High School.

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Active

Active·1 day on market·Celestina

352 Arella Way

St. Johns, FL 32259

$659,900$238/sqftEst. $3,403/moMLS# 2157354

Beds

Baths

2,770

Sq Ft

2019

Built

Garage

Pool

About this home

Celestina

Beautiful Carlyle floor plan featuring 4 bedrooms, 3 baths, and a 3-car garage on a private preserve lot with an extended driveway. Lennar's Everything's Included® package offers a dramatic glass front door, 10' ceilings, 8' interior doors, quartz countertops, 42'' cabinets, and Frigidaire® Professional Series stainless steel appliances with a 5-burner gas cooktop, double wall ovens, microwave, dishwasher, and refrigerator. Wood-look tile in main living areas, crown molding, 5¼'' baseboards, tankless water heater, Amazon™ Smart Home, pre-wired security, window blinds, screened paver lanai, paver driveway, and irrigation. Spacious primary suite features dual walk-in closets, dual vanities, an oversized shower, and ample storage throughout. Enjoy Celestina's clubhouse, pool, playground, and dog park. Zoned for top-rated St. Johns County schools and minutes away from new Durbin shopping center..

Cost to own

Mortgage calculator

Home Price

$659,900

Down Payment: 20%

$131,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,403

Principal & Interest: $3,403

Property taxes (est.): $878

Insurance (est.): $440

Estimated Total Monthly

$4,721

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,403

Property taxesest. at asking price, St. Johns County$878

HOAbilled monthly$170

Estimated total, before insurance$4,451/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,845/yr · $487/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): $5,845/yr

Estimated taxes if purchased at asking price: ~$10,500/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,758 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 August 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

Aug 7, 2026Active$659,900
Aug 6, 2026Price change$659,900−$10,100
Jul 25, 2026Listed$670,000

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

Features

Price$659,900

Price / Sq Ft$238

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,770

Acres0.27 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesSouthwest

School Information

ElementaryDurbin Creek

MiddleFruit Cove

HighCreekside

Community Information

Address352 Arella Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionCelestina

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size11,761.2 sq ft

Parcel Number0057321560

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Gated, Jogging Path, Management - Full Time, Management- On Site, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Gas Cooktop, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityGated with Guard, Key Card Entry, Smoke Detector(s)