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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Active Under Contract

$939,900Active Under Contract5 bd · 4 ba · 3,703 sq ft

Active Under Contract·48 days on market·Julington Lakes

123 Sugar Sand Lane

St. Johns, FL 32259

$939,900$254/sqftEst. $5,124/mo mortgageMLS# 2163323
↓ $20,000 below original list
5
Beds
4
Baths
3,703
Sq Ft
2017
Built
3
Garage
No
Pool

12 more homes for sale in Julington Lakes →Search Julington Lakes on the map

FEMA Zone XHOA $192/mo11,326 sqft lotWaterfrontSingle Family Residence2 stories

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About this home

Julington Lakes

Live, work, entertain, and grow in more than 3,700 sqft of freshly painted, thoughtfully designed space in the prestigious, guard-gated Toll Brothers community of Julington Lakes. This 5-bedroom, 4-bath home offers multiple flex spaces on both levels - perfect for a home office, playroom, theater, guest retreat, or multigenerational living. A private upstairs bedroom with a full bath creates an ideal getaway, while the expanded primary suite features a spacious bath and closets. A walk-in attic and abundant storage ensure everything has its place. Four-panel sliders open to an extended patio, fenced backyard, and peaceful lake view. Tucked away on a cul-de-sac, the home also features an extended driveway and two newer HVAC systems. Enjoy wooded and lakeside walking paths, a community pool, playground, sports fields, fishing and kayak dock, private access to Veterans Park, A-rated St. Johns County schools, plus shopping, dining, and entertainment just minutes away. Call today!

Next steps in Julington Lakes

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$5,124
Property taxesest. at asking price, St. Johns County$1,251
HOAbilled quarterly$192
Estimated total, before insurance$6,567/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,990/yr · $832/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$939,900
$187,980
Loan Term
Monthly Payment
$5,124
Principal & Interest: $5,124
Property taxes (est.): $1,251
Insurance (est.): $627
Estimated Total Monthly
$7,002
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,758 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,990/yr

Estimated taxes if purchased at asking price: ~$15,000/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.

History

Price & status history

  • Oct 8, 2026Active Under Contract$939,900
  • Sep 23, 2026Price change$939,900−$20,000
  • Sep 14, 2026Active$959,900
  • Sep 3, 2026Listed$959,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $239/sq ft; this home is listed at $254/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
152 Pine Haven Drive, St. Johns, FL 32259Listed by HOVER GIRL PROPERTIESSep 2026$680,000$2613/22,610720.2
27 Timber Stand Road, St. Johns, FL 32259Listed by MOMENTUM REALTYSep 2026$726,000$2215/43,28980.3
128 Lakeview Pass Way, St. Johns, FL 32259Listed by ROUND TABLE REALTYAug 2026$984,000$2674/3.53,683540.3
275 Freshwater Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$775,000$2394/33,2441020.4
3220 Chestnut Court, St. Johns, FL 32259Listed by WATSON REALTY CORPSep 2026$660,000$2135/3.53,103110.7
1925 Barham Court, St. Johns, FL 32259Listed by UNITED REAL ESTATE GALLERYSep 2026$609,925$2275/42,685540.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$939,900
Price / Sq Ft$254
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,703
Total Structure Area4,599 sq ft
Acres0.26 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StatusActive Under Contract
# of Garages3
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

School Information

Zoned elementaryFreedom Crossing Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryFreedom Crossing Academy
Reported highCreekside
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address123 Sugar Sand Lane, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionJulington Lakes
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size11,325.6 sq ft
Parcel Number0096820720
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Clubhouse, Gated, Jogging Path, Playground, Tennis Court(s)
Community FeaturesSidewalks, Gated
UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Tankless Water Heater
HeatingCentral, Heat Pump
CoolingCentral Air
# of Stories2
LevelsTwo
LaundryGas Dryer Hookup, In Unit, Washer Hookup
SecurityGated with Guard, Security Gate

Exterior

Lot DescriptionCul-De-Sac, Dead End Street
Patio / PorchCovered, Patio
FencingBack Yard, Wrought Iron
RoofShingle
ConstructionFiber Cement

Additional Information

Date ListedSeptember 14, 2026
Days on Market48
HOA Fees$577 / Quarterly
HOA FrequencyQuarterly
Tax Amount$9,989.53
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ROUND TABLE REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Julington Lakes

Julington Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Julington Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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