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 Gran Lake, St. Johns — a waterfront home in St. Johns County.

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Active

Active·1 day on market·Gran Lake

235 Willow Lake Drive

St. Johns, FL 32092

$440,000$230/sqftEst. $2,260/moMLS# 2160958

Beds

Baths

1,909

Sq Ft

2020

Built

Garage

Pool

About this home

Gran Lake

Experience comfort and style in this beautifully appointed Gran Lake home, where the breathtaking lake view takes center stage. From the spacious screened lanai, enjoy peaceful views of the 23-acre lake and gather around the fire pit overlooking the water. Inside, 9-ft ceilings and wood-look laminate flooring create a bright, inviting atmosphere. The spacious great room features a cozy fireplace and flows into the dining area and well-appointed kitchen, complete with a breakfast bar, stainless steel appliances, upgraded cabinetry, and stylish finishes. A flexible den/office provides a dedicated workspace or additional living space. A dedicated laundry room with washer/dryer hookups adds everyday convenience.

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,260

Principal & Interest: $2,260

Property taxes (est.): $586

Insurance (est.): $293

Estimated Total Monthly

$3,139

*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$2,260

Property taxesest. at asking price, St. Johns County$585

HOAbilled semi-annually$125

Estimated total, before insurance$2,970/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,012/yr · $418/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): $5,012/yr

Estimated taxes if purchased at asking price: ~$7,000/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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,744 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 20, 2026Listed$440,000

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

Features

Price$440,000

Price / Sq Ft$230

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,909

Acres0.15 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address235 Willow Lake Drive, St. Johns, FL 32092

Area308-World Golf Village Area-SW

SubdivisionGran Lake

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,534 sq ft

Parcel Number0289912930

Amenities

AmenitiesPool, Boat Dock, Clubhouse, Jogging Path, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

ViewLake, Pond, Water

Waterfront TypeLake Front, Pond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

SecuritySmoke Detector(s)