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 Oxford Estates, St. Johns — a waterfront home in St. Johns County.

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Active

Active·1 day on market·Oxford Estates

588 Oxford Estates Way

St. Johns, FL 32259

$869,000$220/sqftEst. $4,468/moMLS# 2161812

Beds

Baths

3,943

Sq Ft

2016

Built

Garage

Pool

About this home

Oxford Estates

Some homes are all about the view. This one delivers a lifestyle to match. Set on a quiet cul-de-sac in gated Oxford Estates, this spacious 5-bedroom, 4.5-bath St. Johns County home offers nearly 4,000 square feet, peaceful water views, exceptional indoor-outdoor living, and no CDD fees. Step inside and your eye is immediately drawn to the great room and the water beyond. Soaring ceilings, architectural beams, a custom fireplace feature wall, and a wall of glass create a dramatic yet welcoming gathering space, while double sliders open the home to the covered lanai and backyard. Designed with flexibility in mind, the first floor offers both a spacious primary suite and separate guest suite--an ideal arrangement for extended family, overnight guests, or a private office. The primary retreat features a generous walk-in closet and ensuite bath with a soaking tub and walk-in shower. Separate dining & living/flex spaces provide even more options for a home office, sitting room, or playroom.

Cost to own

Mortgage calculator

Home Price

$869,000

Down Payment: 20%

$173,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,468

Principal & Interest: $4,468

Property taxes (est.): $1,156

Insurance (est.): $579

Estimated Total Monthly

$6,203

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,468

Property taxesest. at asking price, St. Johns County$1,156

HOAbilled annually$100

Estimated total, before insurance$5,724/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,452/yr · $788/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	$676,982	$676,982	—
2024	$676,176	$641,413	—
2023	$696,426	$583,103	—
2022	$659,819	$530,094	—
2021	$481,904	$481,904	—
2020	$457,330	$457,330	—

2025 property taxes (current owner): $9,452/yr

Estimated taxes if purchased at asking price: ~$13,900/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.

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 2016)

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

Solar potential: ~1,677 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 25, 2026Listed$869,000

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

Features

Price$869,000

Price / Sq Ft$220

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,943

Acres0.25 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryCunningham Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address588 Oxford Estates Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionOxford Estates

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,890 sq ft

Parcel Number0023950620

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Gated, Maintenance Grounds, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryLower Level

SecuritySecurity Gate