This home is in Julington Lakes, St. Johns — a gated community home in St. Johns County.
Active·Listed today·Julington Lakes
123 Sugar Sand Lane
St. Johns, FL 32259
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!
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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): $9,990/yr
Estimated taxes if purchased at asking price: ~$15,300/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.
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 homeAs 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
Price & status history
- 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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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 →Listing Courtesy of: ROUND TABLE REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines