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

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Active

Active·Listed today·Julington Creek

824 Peppervine Avenue

St. Johns, FL 32259

$725,000$261/sqftEst. $3,766/moMLS# 2163457

Beds

Baths

2,779

Sq Ft

2005

Built

Garage

Pool

About this home

Julington Creek

Welcome to 824 Peppervine Avenue, located in the gated Plantation Estates West section of Julington Creek Plantation. Set on a generous .40-acre homesite, this 5-bedroom, 4-bath home also features a dedicated office with extensive built-in cabinetry--no need to sacrifice a bedroom for work-from-home space. The thoughtfully designed floor plan offers multiple living areas, abundant natural light and flexibility for everyday living, guests and entertaining. The kitchen opens to the main living areas, while the first floor includes four bedrooms, including the primary suite. Upstairs, a large bonus room with a full bath creates an ideal secondary living area, media room or guest retreat. Additional highlights include a screened lanai, excellent storage and a side-entry three-car garage.

Cost to own

Mortgage calculator

Home Price

$725,000

Down Payment: 20%

$145,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$3,766

Principal & Interest: $3,766

Property taxes (est.): $965

Insurance (est.): $483

Estimated Total Monthly

$5,214

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$3,766

Property taxesest. at asking price, St. Johns County$965

HOAbilled annually$48

Estimated total, before insurance$4,779/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,606/yr · $550/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): $6,606/yr

Estimated taxes if purchased at asking price: ~$11,600/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.

History

Price & status history

Sep 10, 2026Active$725,000
Sep 3, 2026Listed$725,000

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

Features

Price$725,000

Price / Sq Ft$261

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,779

Acres0.40 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesNorth

School Information

ElementaryJulington Creek

MiddleFruit Cove

HighCreekside

Community Information

Address824 Peppervine Avenue, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionJulington Creek Plan

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size17,424 sq ft

Parcel Number2498261130

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LaundryIn Unit, Lower Level

SecurityGated with Guard, Security Gate