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 home near Bartram Trail High School.

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Active

Active·1 day on market·Aberdeen

158 Lochnagar Mountain Drive

St. Johns, FL 32259

$549,000$214/sqftEst. $2,820/moMLS# 2160909

Beds

Baths

2,563

Sq Ft

2017

Built

Garage

Pool

About this home

Aberdeen

Welcome to this exceptionally well-maintained home in the Aberdeen community! Built in 2017, this Coral floor plan by D.R. Horton offers 2,566 square feet of functional living space. The main level features a formal dining room that could easily serve as a private, dedicated home office, an open-concept living area, updated kitchen with a modern island with a new appliance package. A guest bedroom and full bathroom are also conveniently located downstairs. Upstairs, you'll find a spacious primary suite, two additional guest bedrooms, and a large bonus/loft space with its own closet, offering the perfect flex space. With four full bathrooms, this floor plan offers exceptional functionality and flexibility for families and guests. Step outside to enjoy a private backyard retreat, where the screened-in lanai overlooks a peaceful preserve with no rear neighbors. The backyard is fully fenced with gated vinyl privacy fencing, providing an ideal space for kids, pets & entertaining.

Cost to own

Mortgage calculator

Home Price

$549,000

Down Payment: 20%

$109,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,820

Principal & Interest: $2,820

Property taxes (est.): $731

Insurance (est.): $366

Estimated Total Monthly

$3,916

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,820

Property taxesest. at asking price, St. Johns County$731

HOAbilled annually$4

Estimated total, before insurance$3,554/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,854/yr · $488/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): $5,854/yr

Estimated taxes if purchased at asking price: ~$8,800/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: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,772 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 21, 2026Price change$549,000−$10,000
Aug 20, 2026Listed$559,000

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

Features

Price$549,000

Price / Sq Ft$214

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,563

Acres0.16 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryFreedom Crossing Academy

MiddleFreedom Crossing Academy

HighBartram Trail

Community Information

Address158 Lochnagar Mountain Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionAberdeen

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0097627590

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center

UtilitiesElectricity Connected, Natural Gas Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Gas Cooktop

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryUpper Level