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 Julington Creek, St. Johns — a home near Creekside High School.

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Active Under Contract

Active Under Contract·2 days on market·Julington Creek

569 Sparrow Branch Circle

St. Johns, FL 32259

$415,000$241/sqftEst. $2,136/moMLS# 2159668

Beds

Baths

1,724

Sq Ft

2001

Built

Garage

Pool

About this home

Julington Creek

ACCEPTING BACKUP OFFERS! Located in Julington Creek Plantation this meticulously maintained 3-bedroom, 2-bathroom home featuring an additional den is move-in ready. At the heart of the home, the kitchen seamlessly opens to a living room boasting high ceilings and a decorative fireplace. The split-bedroom floor plan offers a spacious primary suite complete with an updated bathroom and a large closet. Step outside to the screened back porch, which looks out over a large, fully fenced backyard. Key updates include a 2018 roof and a 2019 HVAC system. As part of the community, residents enjoy access to basketball courts, tennis courts, and two premier amenity centers featuring multiple pools--including a brand-new facility completed just this year

Cost to own

Mortgage calculator

Home Price

$415,000

Down Payment: 20%

$83,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,136

Principal & Interest: $2,136

Property taxes (est.): $552

Insurance (est.): $277

Estimated Total Monthly

$2,965

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,136

Property taxesest. at asking price, St. Johns County$552

HOAbilled annually$48

Estimated total, before insurance$2,736/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,917/yr · $243/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): $2,917/yr

Estimated taxes if purchased at asking price: ~$6,600/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: material not specified — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,706 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.

History

Price & status history

Aug 12, 2026Active Under Contract$415,000
Aug 11, 2026Listed$415,000

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

Features

Price$415,000

Price / Sq Ft$241

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,724

Acres0.17 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDurbin Creek

MiddleFruit Cove

HighCreekside

Community Information

Address569 Sparrow Branch Circle, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size7,405.2 sq ft

Parcel Number2495400470

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne