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 Stillwater, St. Johns — a gated community home in St. Johns County.

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Active

Active·Listed today·Stillwater

1289 Stillwater Boulevard

St. Johns, FL 32259

$535,000$308/sqftEst. $2,728/moMLS# 2158533

Beds

Baths

1,737

Sq Ft

2023

Built

Garage

Pool

About this home

Stillwater

Experience luxury living in Stillwater Golf & Country Club, one of Northeast Florida's premier gated 55+ community. The monthly HOA fee includes not only your golf membership but your lawn and pest management as well. This home is on one of the top lots in the entire neighborhood overlooking water, the 14th green and private preserve. Imagine sitting out on your spacious lanai taking in the breathtaking sunsets and ever-changing backdrop of migrating birds. It is a short walk to the clubhouse. Built in 2023, this immaculate home offers the benefits of new construction without the wait. The open floor plan features three bedrooms with a separate office space and two full bathrooms. Golf enthusiasts will appreciate an incredible added value - the prepaid trail fees for the remainder of the year will transfer to the new owner. Residents enjoy an active lifestyle with a beautiful clubhouse featuring daily lunch and dinner specials, a full calendar of events, pickleball, bocce ball, and

Cost to own

Mortgage calculator

Home Price

$535,000

Down Payment: 20%

$107,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,728

Principal & Interest: $2,728

Property taxes (est.): $712

Insurance (est.): $357

Estimated Total Monthly

$3,796

*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$2,728

Property taxesest. at asking price, St. Johns County$712

HOAbilled monthly$711

Estimated total, before insurance$4,151/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,844/yr · $654/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): $7,844/yr

Estimated taxes if purchased at asking price: ~$8,500/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.

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 2023)

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

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

Aug 4, 2026Listed$535,000

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

Features

Price$535,000

Price / Sq Ft$308

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,737

Acres0.15 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Direction FacesEast

Community Information

Address1289 Stillwater Boulevard, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionStillwater

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,534 sq ft

Lot Dimensions.15 acre

Parcel Number0098621590

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Pickleball

UtilitiesElectricity Connected, Natural Gas Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewGolf Course, Trees/Woods, Water

Waterfront TypePond

Interior

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

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne