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 waterfront home in St. Johns County.

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Active

Active·Listed today·Julington Creek

105 Calley Court

St. Johns, FL 32259

$485,000$211/sqftEst. $2,493/moMLS# 2162079

Beds

Baths

2,294

Sq Ft

1997

Built

Garage

Pool

About this home

Julington Creek

Beautiful 4-bed, 3-full-bath home in Julington Creek Plantation. light and bright interior with high ceilings and inviting open floor plan. Spacious kitchen features a breakfast nook, abundant cabinet storage, white solid-surface countertops, and SS appliances. Kitchen flows into the great room, where a fireplace creates a warm and welcoming focal point. The home also offers an office/flex room and a formal dining area, providing versatile living spaces. Three-way split-bedroom floor plan offers privacy and flexibility, including a junior suite with its own private bathroom. Primary suite, features a spacious bedroom and bathroom with dual sinks, soaking tub, and separate walk-in shower. Step outside to enjoy the large enclosed patio and beautiful water views, an ideal setting for relaxing or entertaining. Great community amenities and convenient location close to top-rated schools, shopping, and more, the perfect combination of comfort, space, privacy, and an exceptional location!

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,493

Principal & Interest: $2,493

Property taxes (est.): $645

Insurance (est.): $323

Estimated Total Monthly

$3,462

*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$2,493

Property taxesest. at asking price, St. Johns County$645

HOAbilled annually$48

Estimated total, before insurance$3,187/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,278/yr · $607/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): $7,278/yr

Estimated taxes if purchased at asking price: ~$7,700/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 — year not disclosed (home built 1997)

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

Solar potential: ~1,523 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 27, 2026Listed$485,000

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

Features

Price$485,000

Price / Sq Ft$211

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,294

Acres0.24 acres

Year Built1997

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address105 Calley Court, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,454.4 sq ft

Parcel Number2493502020

Amenities

AmenitiesPool, Children's Pool, Fitness Center, Jogging Path, Playground

UtilitiesElectricity Connected

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryIn Unit