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

Active·2 days on market

93 Lochloosa Court

St. Johns, FL 32259

$419,900$261/sqftEst. $2,170/moMLS# 2163579

Beds

Baths

1,610

Sq Ft

2023

Built

Garage

Pool

About this home

St. Johns

Why wait for a home to be built when you can enjoy the benefits of a thoughtfully upgraded home that is ready now? Welcome to 93 Lochloosa Court, located in the highly sought-after RiverTown community in St. Johns! This beautifully enhanced home offers the perfect blend of comfort, functionality, and Florida living, with upgrades that make everyday life even more enjoyable. Step inside to discover thoughtful details throughout, including stylish board-and-batten accents in the bathrooms and bedrooms that add character and a custom feel. The laundry room features a butcher block countertop, while the garage is designed for more than just parking with an epoxy-coated floor, mini-split AC, and a convenient utility sink. A built-in office with a Murphy bed provides the flexibility to work from home, accommodate guests, or create an additional multipurpose space. Step outside to the screened-in lanai and enjoy your morning coffee or unwind in the evening while taking advantage of Florida's

Cost to own

Mortgage calculator

Home Price

$419,900

Down Payment: 20%

$83,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,170

Principal & Interest: $2,170

Property taxes (est.): $559

Insurance (est.): $280

Estimated Total Monthly

$3,009

*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$2,170

Property taxesest. at asking price, St. Johns County$559

HOAbilled annually$4

Estimated total, before insurance$2,733/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,399/yr · $617/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): $7,399/yr

Estimated taxes if purchased at asking price: ~$6,700/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2023)

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

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$419,900

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

Features

Price$419,900

Price / Sq Ft$261

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,610

Acres0.10 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouthwest

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address93 Lochloosa Court, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,356 sq ft

Parcel Number0007260280

ZoningPUD

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Oven, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air, Electric, Split System

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)