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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 Creek, St. Johns a gated community home in St. Johns County.

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Active

Active·4 days on market·Julington Creek

1864 Rear Admiral Lane

St. Johns, FL 32259

$524,900$193/sqftEst. $2,712/moMLS# 2163484
4
Beds
2
Baths
2,726
Sq Ft
2005
Built
2
Garage
No
Pool

About this home

Julington Creek

Located in the guarded, gated community of Plantation Grove in Julington Creek Plantation, this two-story home offers a functional layout with beautiful pond views. The kitchen features Corian countertops, stainless steel appliances, and a breakfast bar overlooking the living room with a cozy fireplace. The spacious primary suite includes dual vanities, a garden tub, walk-in shower, and walk-in closet. Upstairs, a large family room with a wet bar provides the perfect space for entertaining or relaxing. Step outside to a covered patio and grassy backyard overlooking a scenic pond, creating a peaceful setting to enjoy year-round. This home features a NEW ROOF, HVAC, carpet, and fresh interior paint! Don't miss the opportunity to make this move-in-ready home yours! Some images in this listing have been virtually staged.

Cost to own

Mortgage calculator

$524,900
$104,980
Loan Term
Monthly Payment
$2,712
Principal & Interest: $2,712
Property taxes (est.): $699
Insurance (est.): $350
Estimated Total Monthly
$3,761
*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$2,712
Property taxesest. at asking price, St. Johns County$698
HOAbilled quarterly$165
Estimated total, before insurance$3,576/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,928/yr · $661/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): $7,928/yr

Estimated taxes if purchased at asking price: ~$8,400/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2005)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,766 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

Price & status history

  • Sep 4, 2026Listed$524,900

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

Features

Price$524,900
Price / Sq Ft$193
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,726
Acres0.12 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
Direction FacesSoutheast

School Information

Community Information

Address1864 Rear Admiral Lane, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionJulington Creek Plan
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size5,227.2 sq ft
Parcel Number2498370780
ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Park, Playground, Racquetball, Spa/Hot Tub, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond, Water

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Kitchen Island, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Front Porch, Patio
FencingBack Yard, Wrought Iron
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 4, 2026
Days on Market0
HOA Fees$495 / Quarterly
HOA FrequencyQuarterly
HOA NameJulington Creek Plantation
HOA Fee IncludesSecurity
Tax Amount$7,928.18
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

The neighborhood

About Julington Creek

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

View all Julington Creek homes for sale →

Listing Courtesy of: TAH FLORIDA LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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