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

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Active Under Contract

Active Under Contract·5 days on market

25 Perdido Street

St. Johns, FL 32259

$599,900$243/sqftEst. $3,100/moMLS# 2162802

Beds

Baths

2,471

Sq Ft

2016

Built

Garage

Pool

About this home

St. Johns

Welcome home to this 4/3.5 with 2 car tandem garage, loft AND office. Upon entering you are greeted with loads of natural light. The chef's delight kitchen features plenty of cabinetry, granite countertops and a huge pantry. The kitchen overlooks the dining room and great room. Upstairs you will find 4 bedrooms-the master and one of the spare rooms has an ensuite bath. Outside you have a screened porch overlooking a spacious backyard with a dog run on a .21 parcel of land! Garage offers a generator hook up and wired for an electric car charger. Located in sought after Rivertown this is the one to see!

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,100

Principal & Interest: $3,100

Property taxes (est.): $798

Insurance (est.): $400

Estimated Total Monthly

$4,298

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$3,100

Property taxesest. at asking price, St. Johns County$798

HOAbilled annually$4

Estimated total, before insurance$3,902/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.

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: material not specified — year not disclosed (home built 2016)

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

Solar potential: ~1,736 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 September 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