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 Aberdeen, St. Johns — a home near Bartram Trail High School.

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Active

Active·Listed today·Aberdeen

38 Spey Bay Court

St. Johns, FL 32259

$539,000$222/sqftEst. $2,771/moMLS# 2162580

Beds

Baths

2,432

Sq Ft

2020

Built

Garage

Pool

About this home

Aberdeen

*Photos coming soon* Welcome to 38 SPEY BAY Court, ideally situated on a quiet cul-de-sac in the desirable Aberdeen community. This beautifully maintained home offers an exceptional combination of privacy, space, and resort-style living. The standout feature is the huge fan-shaped backyard, providing an abundance of room for outdoor entertaining, play, pets, gardening, or creating your own private oasis. The fully fenced backyard offers added privacy and peace of mind, and the home has been professionally pressure washed just before listing for a fresh, clean presentation. Inside, you'll find a thoughtfully designed floor plan with comfortable living spaces and a desirable double primary-bedroom closet setup, providing exceptional storage and organization. The home is ready for its next owners to move in and enjoy! Beyond the home, enjoy an incredible resort-style community lifestyle featuring a community water park, tennis courts, and a basketball court--perfect for staying active

Cost to own

Mortgage calculator

Home Price

$539,000

Down Payment: 20%

$107,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,771

Principal & Interest: $2,771

Property taxes (est.): $717

Insurance (est.): $359

Estimated Total Monthly

$3,848

*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$2,771

Property taxesest. at asking price, St. Johns County$717

HOAbilled annually$4

Estimated total, before insurance$3,492/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,281/yr · $690/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): $8,281/yr

Estimated taxes if purchased at asking price: ~$8,600/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: material not specified — year not disclosed (home built 2020)

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

Solar potential: ~1,707 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 29, 2026Listed$539,000

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

Features

Price$539,000

Price / Sq Ft$222

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,432

Total Structure Area3,077 sq ft

Acres0.25 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryFreedom Crossing Academy

MiddleFreedom Crossing Academy

HighBartram Trail

Community Information

Address38 Spey Bay Court, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionAberdeen

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,890 sq ft

Parcel Number0097628700

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Dog Park, Park, Playground, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Gas Range, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit