This home is in Twin Creeks North, St. Johns — a home near Beachside High School.
Active·1 day on market·Twin Creeks North
118 Topside Drive
St. Johns, FL 32259
About this home
Twin Creeks North
Your coastal pool home has arrived! This beautifully upgraded 5-bedroom 4-bath home offers the perfect blend of comfort style and Florida living. The open floor plan features wood-look tile flooring throughout and an oversized kitchen with stainless steel appliances a beverage refrigerator and plenty of space for entertaining. The kitchen flows seamlessly into the spacious dining and living areas with triple sliding glass doors extending the living space outdoors. Step outside to your private tropical retreat featuring a custom pool and spa with serene water views mature palms and a full screen enclosure for year-round enjoyment. The outdoor kitchen creates the perfect setting for entertaining or relaxing. Inside you'll find thoughtful custom built-ins abundant storage and spacious walk-in closets. The 3-car garage offers custom-built storage and organization while the paver driveway and walkway add to the home's impressive curb appeal.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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): $16,900/yr
Estimated taxes if purchased at asking price: ~$17,500/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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Metal — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,751 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 homeAs 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 12, 2026Active$1,099,000
- Aug 11, 2026Listed$1,099,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Twin Creeks North
Twin Creeks North is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Twin Creeks North homes for sale →Listing Courtesy of: COMPASS FLORIDA LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines