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 Aberdeen, St. Johns — a home near Bartram Trail High School.

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Active Under Contract

Active Under Contract·45 days on market·Aberdeen

544 Grampian Highlands Drive

St. Johns, FL 32259

$419,900$227/sqftEst. $2,181/moMLS# 2157429

Beds

Baths

1,850

Sq Ft

2013

Built

Garage

Pool

About this home

Aberdeen

WOW! Check out this fabulous, Craftsman-style 4 bedrm home on a PREMIUM, PRESERVE LOT! The welcoming, covered front porch features distinctive columns & stacked-stone accents, and leads thru the leaded-glass entry door into a spacious interior floor plan. The large great room provides ample space for various furniture arrangements w/volume ceilings, 18'' ceramic tile, & neutral colors thruout. You'll LOVE the gorgeous kitchen featuring a large, central island for your barstools, shiny granite countertops, stainless steel pendant lights, and 42'' staggered maple cabinets w/crown moulding! The appliance package features a stainless steel french door fridge and glass, 4-burner cooktop. The primary bedroom suite features a gorgeous new shower w/clear glass walls, custom tile, & stone tile accents. Two add'l bedrooms share the hall bath, while the separate 4th bedrm makes a great home office! Relax with a BBQ on the open patio this summer, o'looking the peaceful preserve. You'll find peace

Cost to own

Mortgage calculator

Home Price

$419,900

Down Payment: 20%

$83,980

Interest Rate: 6.76%

Loan Term

Monthly Payment

$2,181

Principal & Interest: $2,181

Property taxes (est.): $559

Insurance (est.): $280

Estimated Total Monthly

$3,020

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$2,181

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

HOAbilled annually$4

Estimated total, before insurance$2,744/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,612/yr · $468/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): $5,612/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 2013)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,674 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

Price & status history

Sep 5, 2026Active Under Contract$419,900
Sep 1, 2026Price change$419,900−$5,000
Jul 28, 2026Listed$424,900

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

Features

Price$419,900

Price / Sq Ft$227

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,850

Acres0.18 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Traditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryFreedom Crossing Academy

MiddleFreedom Crossing Academy

HighBartram Trail

Community Information

Address544 Grampian Highlands Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionAberdeen

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size7,840.8 sq ft

Lot Dimensions63 x 125

Parcel Number0097624700

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Park, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

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

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)