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

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Sold

Sold·Closed Sep 28, 2026·2 days on market·Recent sales in St. Johns County

544 Cunningham Hollow Way

St. Johns, FL 32259

$585,000sold priceListed at $570,000 · 102.6% of asking$257/sqftMLS# 2159294
4
Beds
2
Baths
2,275
Sq Ft
1999
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $28/mo0.50 acresWaterfrontSingle Family Residence1 story

About this home

St. Johns

Exceptional 4-bedroom lakefront pool home in Village Green. Set on a large half-acre lot along a quiet cul-de-sac street, this home offers tranquil pond views and a private backyard retreat. Step through the beautiful leaded-glass front door into a light-filled interior with tile flooring, vaulted ceilings, a split-bedroom floor plan, and a wood-burning fireplace. The kitchen opens to the family room and features granite countertops, stainless steel appliances, a breakfast nook, and pantry. A separate dining room and additional living area offer flexible space for entertaining. The spacious primary suite includes two walk-in closets and an updated bath with a tiled shower, separate tub, and dual vanities. Outside, enjoy a saltwater pool with screened enclosure, covered patio, fenced backyard, mature trees, and peaceful pond views. Front and rear irrigation with a separate irrigation meter adds convenience. Low HOA fees, no CDD fees, and access to great area schools.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,240
Property taxesest. at asking price, St. Johns County$778
HOAbilled annually$28
Estimated total, before insurance$4,047/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,553/yr · $379/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$585,000
$117,000
Loan Term
Monthly Payment
$3,240
Principal & Interest: $3,240
Property taxes (est.): $778
Insurance (est.): $390
Estimated Total Monthly
$4,409
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 — 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 1999)

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: ~1,719 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,553/yr

Estimated taxes if purchased at asking price: ~$9,300/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

Price & status history

  • Sep 28, 2026Closed$570,000
  • Aug 16, 2026Active Under Contract$570,000
  • Aug 14, 2026Active$570,000
  • Aug 7, 2026Listed$570,000

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 $240/sq ft; this home is listed at $251/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
483 S Aberdeenshire Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$415,000$1814/32,2882190.5
544 Grampian Highlands Drive, St. Johns, FL 32259Listed by ASSIST2SELL BUYERS & SELLERS REALTYSep 2026$414,900$2244/21,850380.7
1768 Greenridge Circle E, St. Johns, FL 32259Listed by MOMENTUM REALTYOct 2026$550,000$2155/32,560110.8
1587 Scottridge Lane, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$1,100,000$3804/3.52,891230.8
1333 S Hideaway Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$699,900$2854/32,452530.8
1309 Hideaway Drive S, St. Johns, FL 32259Listed by WATSON REALTY CORPSep 2026$680,000$2404/32,839800.9

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$570,000
Price / Sq Ft$251
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,275
Acres0.50 acres
Year Built1999
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water, Screen Enclosure
Is WaterfrontYes

School Information

Community Information

Address544 Cunningham Hollow Way, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionVillage Green
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size21,780 sq ft
Parcel Number0097711390
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit
SecurityFire Alarm

Exterior

Lot DescriptionMany Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Screened
FencingBack Yard, Wrought Iron
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedAugust 14, 2026
Days on Market2
HOA Fees$338 / Annually
HOA FrequencyAnnually
Tax Amount$4,552.62
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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