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This home is in Julington Lakes, St. Johns — a waterfront home in St. Johns County.

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Active

Active·1 day on market·Julington Lakes

220 Pine Haven Drive

St. Johns, FL 32259

$899,000$336/sqftEst. $4,622/moMLS# 2161862

Beds

Baths

2,673

Sq Ft

2019

Built

2.5

Garage

Yes

Pool

About this home

Julington Lakes

Welcome to a beautifully appointed single-story retreat where comfort, privacy, and the beauty of nature come together. This 3-bedroom home plus office offers an inviting open feel, with rich wood floors throughout, elegant wood-accent ceilings, plantation shutters, a water softener system with numerous thoughtful upgrades. The luxurious primary suite features a gorgeous soaking tub incorporated into the stunning shower design, creating a true spa-like experience. Step outside to your private pool and jacuzzi overlooking the lake, with mature trees and a peaceful preserve beyond-an idyllic backdrop for morning coffee, sunset evenings, and memorable gatherings. Situated on a desirable curve, the home enjoys a wider sense of space between neighbors and added privacy. The gated community adds even more to the lifestyle, with a resort-style pool, tennis, fitness center, clubhouse, and scenic walking paths. This is a home designed for relaxing, entertaining, and enjoying your surroundings!

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,622

Principal & Interest: $4,622

Property taxes (est.): $1,196

Insurance (est.): $599

Estimated Total Monthly

$6,417

*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$4,622

Property taxesest. at asking price, St. Johns County$1,196

HOAbilled monthly$194

Estimated total, before insurance$6,012/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,851/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): $5,851/yr

Estimated taxes if purchased at asking price: ~$14,400/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,653 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 26, 2026Listed$899,000

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

Features

Price$899,000

Price / Sq Ft$336

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,673

Total Structure Area3,774 sq ft

Acres0.29 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Garages2.5

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water

Is WaterfrontYes

Gated CommunityYes

Direction FacesNorthwest

School Information

ElementaryFreedom Crossing Academy

MiddleFreedom Crossing Academy

HighCreekside

Community Information

Address220 Pine Haven Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Lakes

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size12,632.4 sq ft

Parcel Number0096823840

Amenities

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

UtilitiesElectricity Available, Natural Gas Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewLake, Pool, Trees/Woods

Waterfront TypeLake Front

Interior

Interior FeaturesBuilt-in Features, Eat-in Kitchen, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringWood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecurityGated with Guard

Spa FeaturesIn Ground, Heated