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

Active·Listed today·Julington Creek

616 E Tropical Trace

St. Johns, FL 32259

$510,000$292/sqftEst. $2,619/moMLS# 2161264

Beds

Baths

1,746

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

Julington Creek

Move-in ready in Julington Creek Plantation! From the moment you step through the front door, this one simply feels like home. Four bedrooms, two full baths, a bright open living space, updated kitchen, new flooring throughout, fresh exterior paint and a 2024 roof -- the work is done. Out back, a covered screened porch and paver patio overlook the pool and fully fenced yard, all backing to a wooded buffer for real privacy. Two-car garage and a .21-acre lot round it out. Then there's the lifestyle: JCP is one of St. Johns County's most sought-after communities, zoned for A-rated schools, with golf, tennis, fitness, parks and miles of trails. Best of all, the brand-new Tide Club amenity center just opened -- resort-style pool with water slides, adult pool, 10-lane competition pool, a two-story clubhouse and the Tide & Tonic bar and grill, alongside the new Treehouse Trails park. Homes this turnkey in JCP don't last. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$510,000

Down Payment: 20%

$102,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,619

Principal & Interest: $2,619

Property taxes (est.): $679

Insurance (est.): $340

Estimated Total Monthly

$3,638

*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$2,619

Property taxesest. at asking price, St. Johns County$679

HOAbilled annually$48

Estimated total, before insurance$3,346/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,053/yr · $338/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): $4,053/yr

Estimated taxes if purchased at asking price: ~$8,100/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.

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 — 2024 per the listing

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

Solar potential: ~1,692 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

Price & status history

Aug 21, 2026Listed$510,000

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

Features

Price$510,000

Price / Sq Ft$292

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,746

Acres0.21 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

School Information

ElementaryJulington Creek

MiddleFruit Cove

HighCreekside

Community Information

Address616 E Tropical Trace, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size9,147.6 sq ft

Parcel Number2495490910

ZoningSingle Family

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LaundryIn Unit