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 Aberdeen, St. Johns — a waterfront home in St. Johns County.

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Active

Active·1 day on market·Aberdeen

144 Prince Albert Avenue

St. Johns, FL 32259

$520,000$237/sqftEst. $2,676/moMLS# 2160303

Beds

Baths

2,196

Sq Ft

2014

Built

Garage

Pool

About this home

Aberdeen

Seller offers -$5000 toward Buyers Closing Cost with accepted offer!! Welcome home!! Aberdeen!** A beautifully -Lake view-updated **4BR/2BA, 2,196 SF single-story home** offering comfort, style and Florida living. Fresh interior/exterior paint and LVP flooring create a bright, The open floor plan features a gourmet kitchen with **granite countertops, stainless appliances, double ovens and breakfast bar** flowing into spacious living areas. **screened lanai overlooking the peaceful pond**, complete with a **putting green and fire pit**--ideal for entertaining and relaxing Florida evenings. Enjoy Aberdeen's **resort-style pools, waterslide, fitness center, clubhouse, tennis, basketball, playgrounds and more!** Conveniently located near shopping, dining and parks, with access to **highly sought-after A-rated St. Johns County schools**, including nearby **Freedom Crossing Academy K-8**. An exceptional combination of **waterfront living, top-rated schools, incredible amenities

Cost to own

Mortgage calculator

Home Price

$520,000

Down Payment: 20%

$104,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,676

Principal & Interest: $2,676

Property taxes (est.): $692

Insurance (est.): $347

Estimated Total Monthly

$3,715

*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$2,676

Property taxesest. at asking price, St. Johns County$692

HOAbilled annually$4

Estimated total, before insurance$3,372/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,992/yr · $749/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

Year	Market value	Taxable value	Change
2025	$419,355	$419,355	—
2024	$416,388	$416,388	—
2023	$405,292	$195,096	—
2022	$385,459	$187,957	—
2021	$275,878	$181,026	—
2020	$247,054	$177,836	—

2025 property taxes (current owner): $8,992/yr

Estimated taxes if purchased at asking price: ~$8,300/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 (2025), 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 2014)

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

Solar potential: ~1,759 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

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