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 Celestina, St. Johns — a gated community home in St. Johns County.

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Active

Active·2 days on market·Celestina

97 Savita Street

St. Johns, FL 32259

$619,990$273/sqftEst. $3,204/moMLS# 2163781

Beds

Baths

2,268

Sq Ft

2021

Built

Garage

Pool

About this home

Celestina

Welcome to Celestina! Discover this beautiful 4-bedroom, 3-full-bath single-family residence offering approximately 2,268 sq. ft. of interior living space, an attached garage, and a desirable water-view backyard. Designed for comfortable everyday living and entertaining, this spacious home offers plenty of room for family, guests, and flexible living arrangements. Enjoy the tranquil water backdrop from the rear of the property, creating a relaxing setting to unwind and enjoy Florida living. The attached garage provides convenient parking and additional storage. Residents of the Celestina community can enjoy an array of resort-style amenities, including a community pool, clubhouse, fitness center, tennis courts, basketball court, and playground--providing recreation and activities for every lifestyle. Conveniently located near schools, shopping, dining, and major retail destinations, this home combines comfort, recreation, and everyday convenience in one desirable location.

Cost to own

Mortgage calculator

Home Price

$619,990

Down Payment: 20%

$123,998

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,204

Principal & Interest: $3,204

Property taxes (est.): $825

Insurance (est.): $413

Estimated Total Monthly

$4,442

*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$3,204

Property taxesest. at asking price, St. Johns County$825

HOAbilled monthly$170

Estimated total, before insurance$4,199/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,645/yr · $720/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): $8,645/yr

Estimated taxes if purchased at asking price: ~$9,900/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 2021)

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

Solar potential: ~1,720 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