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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Lakes At Mill Creek Plantation, St. Johns — a home near Bartram Trail High School.

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Active

Active·92 days on market·Lakes At Mill Creek Plantation

454 Rittburn Lane

St. Johns, FL 32259

$640,000$208/sqftEst. $3,489/mo mortgageMLS# 2157607
↓ $30,000 below original list
4
Beds
3.5
Baths
3,070
Sq Ft
2018
Built
3
Garage
No
Pool

All Lakes At Mill Creek Plantation homes for sale →Search Lakes At Mill Creek Plantation on the map

FEMA Zone XHOA $50/mo12,632 sqft lotSingle Family Residence2 stories

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About this home

Lakes At Mill Creek Plantation

Set on a rare pie-shaped homesite overlooking tranquil pond views, this beautifully appointed home blends thoughtful design, timeless finishes, and exceptional outdoor living into one unforgettable property. A welcoming covered front porch leads inside, where luxury vinyl plank flooring, white cabinetry, and recessed lighting create a bright, modern feel throughout the main living spaces. A main-level flex room offers endless possibilities as a home office, playroom, or second living area, while the elegant dining room is rich with character, featuring custom millwork, a wood plank ceiling, shiplap accent walls, an orb chandelier, and French doors opening to the lanai. Everyday living is made effortless with a thoughtfully designed mudroom complete with a built-in bench, coat hooks, storage cabinetry, and a stained wood countertop. At the heart of the home, the chef's kitchen combines style and function with white Shaker cabinetry, contemporary granite countertops, a stainless

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$3,489
Property taxesest. at asking price, St. Johns County$852
HOAbilled monthly$50
Estimated total, before insurance$4,391/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$640,000
$128,000
Loan Term
Monthly Payment
$3,489
Principal & Interest: $3,489
Property taxes (est.): $852
Insurance (est.): $427
Estimated Total Monthly
$4,768
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2018)

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

Solar potential: ~1,781 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Oct 24, 2026Price change$640,000−$20,000
  • Sep 15, 2026Price change$660,000−$10,000
  • Jul 29, 2026Listed$670,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $237/sq ft; this home is listed at $208/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
363 Luminous Avenue, St. Johns, FL 32259Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$828,990$2085/43,97910.7
121 Winterberry Court, St. Johns, FL 32259Listed by ROUND TABLE REALTYAug 2026$505,000$2244/32,25940.7
238 Luminous Avenue, St. Johns, FL 32259Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$619,340$2713/2.52,28910.8
216 Luminous Avenue, St. Johns, FL 32259Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$700,190$2744/32,55610.8
617 Luminous Avenue, St. Johns, FL 32259Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$544,000$2375/32,296730.9
146 Clarendon Road, St. Johns, FL 32259Listed by ASSIST2SELL FULL SERVICE REALTY LLC.Sep 2026$675,000$2374/32,846421

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$640,000
Price / Sq Ft$208
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,070
Acres0.29 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

Zoned elementaryHickory Creek Elementary
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryHickory Creek
Reported middleSwitzerland Point
Reported highBartram Trail
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address454 Rittburn Lane, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionLakes At Mill Creek Plantation
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size12,632.4 sq ft
Parcel Number0013620620

Amenities

AmenitiesFitness Center, Park, Playground
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Gas Cooktop
HeatingCentral
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesOutside
# of Stories2
LaundryIn Unit, Sink, Upper Level
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit, Outdoor Kitchen
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio, Screened
FencingOther, Back Yard, Full, Vinyl
RoofShingle
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedJuly 29, 2026
Days on Market92
HOA Fees$50 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Lakes At Mill Creek Plantation

Lakes At Mill Creek Plantation is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Lakes At Mill Creek Plantation homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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