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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 waterfront home in St. Johns County.

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Active

Active·Listed today·Julington Creek

185 Elmwood Drive

St. Johns, FL 32259

$415,000$225/sqftEst. $2,156/moMLS# 2164495
3
Beds
2
Baths
1,841
Sq Ft
1998
Built
2
Garage
No
Pool

About this home

Julington Creek

Welcome to 185 Elmwood Drive in The Parkes at Julington Creek Plantation! This 3BR/2BA, 1,841 SF single-story home features an open floor plan, formal dining room and sought-after split-bedroom layout for added privacy. Enjoy a large, fully fenced .30-acre backyard with plenty of space to entertain, play or add a pool. The screened lanai with vinyl windows offers extended seasonal living, plus a storage shed and 5-speaker surround sound. An equipment lease/service plan covers maintenance of the HVAC, water heater, water softener and water purifier, with purchase options available. Roof was fully replaced only 7 years ago. Julington Creek Plantation amenities include community pools, fitness facilities, tennis, basketball, playgrounds, skate park, sand volleyball, parks and miles of walking, jogging and biking trails. A wonderful combination of space, privacy and resort-style community living!

Cost to own

Mortgage calculator

$415,000
$83,000
Loan Term
Monthly Payment
$2,156
Principal & Interest: $2,156
Property taxes (est.): $552
Insurance (est.): $277
Estimated Total Monthly
$2,984
*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$2,156
Property taxesest. at asking price, St. Johns County$552
HOAbilled annually$48
Estimated total, before insurance$2,756/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,743/yr · $312/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): $3,743/yr

Estimated taxes if purchased at asking price: ~$6,600/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 11, 2026Listed$415,000

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

Features

Price$415,000
Price / Sq Ft$225
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,841
Acres0.30 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address185 Elmwood Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionJulington Creek Plan
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size13,068 sq ft
Parcel Number2492031780
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Dog Park, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond, Protected Preserve, Trees/Woods, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms
AppliancesDishwasher, Dryer, Microwave, Refrigerator, Washer, Water Softener Rented
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryIn Unit
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchPatio, Screened
FencingBack Yard, Wood
Other StructuresShed(s)

Additional Information

Date ListedSeptember 11, 2026
Days on Market52
HOA Fees$580 / Annually
HOA FrequencyAnnually
Tax Amount$3,743
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: VENTURE DEVELOPMENT REALTY

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

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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