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This home is in Grand Creek North, St. Johns — a waterfront home in St. Johns County.

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Active

Active·1 day on market·Grand Creek North

169 Ren Way

St. Johns, FL 32259

$525,000$222/sqftEst. $2,696/moMLS# 2161412

Beds

Baths

2,360

Sq Ft

2022

Built

Garage

Pool

About this home

Grand Creek North

Well, WOOKIEE here! No need to search the next GALAXY for a beautiful, waterfront home in a desirable area of St. Johns Cty.! A short time ago, in a land not so far away, this two story home came to life with enough SPACE for everyone. There's a downstairs office, four spacious bedrooms and loft upstairs with enough storage and closet space to fit 100 wookiees! Wood look tile floors, tall ceilings, 42'' cabinets w/trim, farmhouse sink, quartz countertops throughout, SS appliances and corner pantry. The bathrooms are beautifully updated with quartz tops and tiled showers. The primary bath features a garden tub and separate shower. The screened in lanai overlooking the large pond will carry your worries to a land far, far away! There's plenty of room for a pool, too! A full sized 2 car garage with overhead storage, paver driveway and tankless water heater complete this great home. FEEL THE FORCE WITH YOU, being surrounded by the best schools in St. Johns County, restaurants and shopping

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,696

Principal & Interest: $2,696

Property taxes (est.): $699

Insurance (est.): $350

Estimated Total Monthly

$3,745

*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$2,696

Property taxesest. at asking price, St. Johns County$699

HOAbilled annually$108

Estimated total, before insurance$3,503/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,971/yr · $414/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): $4,971/yr

Estimated taxes if purchased at asking price: ~$8,400/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 2022)

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

Solar potential: ~1,734 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 22, 2026Listed$525,000

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

Features

Price$525,000

Price / Sq Ft$222

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,360

Acres0.16 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBartram Trail

Community Information

Address169 Ren Way, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionGrand Creek North

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0100811190

ZoningSingle Family

Amenities

AmenitiesPool, Management - Off Site, Playground

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPrivate Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, Upper Level, Washer Hookup