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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 Bartram Ranch, St. Johns — a new construction home in St. Johns County.

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Pending

$1,149,000Pending5 bd · 4.5 ba · 4,164 sq ft

Pending·56 days on market·Bartram Ranch

447 Sapling Terrace

St. Johns, FL 32259

$1,149,000$276/sqftEst. $6,264/mo mortgageMLS# 2164604
5
Beds
4.5
Baths
4,164
Sq Ft
2026
Built
4
Garage
No
Pool

11 more homes for sale in Bartram Ranch →Search Bartram Ranch on the map

FEMA Zone XHOA $201/moSingle Family Residence2 storiesNew construction

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About this home

Bartram Ranch

The stunning Julington Coastal at Bartram Ranch is scheduled for completion in December 2026 and offers the perfect combination of luxury, space, and functionality. This thoughtfully designed home features 5 bedrooms, 4.5 baths, a private office, eat-in dining area, and an enclosed bonus room, providing plenty of flexibility for everyday living and entertaining. A rare 4-car garage offers exceptional space for vehicles, storage, or hobbies. With its beautiful Coastal elevation, spacious layout, and designer-selected finishes, this Julington is an incredible opportunity to enjoy luxury living in Bartram Ranch.

Next steps in Bartram Ranch

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$6,264
Property taxesest. at asking price, St. Johns County$1,529
HOAbilled monthly$201
Estimated total, before insurance$7,994/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,149,000
$229,800
Loan Term
Monthly Payment
$6,264
Principal & Interest: $6,264
Property taxes (est.): $1,529
Insurance (est.): $766
Estimated Total Monthly
$8,559
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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: material not specified — year not disclosed (home built 2026)

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Oct 16, 2026Pending$1,149,000
  • Sep 12, 2026Listed$1,149,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $232/sq ft; this home is listed at $276/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
205 Hillcrest Loop, St. Johns, FL 32259Listed by NON MLS (realMLS)Sep 2026$895,678$3014/32,97600.2
78 Hillcrest Loop, St. Johns, FL 32259Listed by NON MLS (realMLS)Sep 2026$1,083,912$2325/5.54,68200.2
275 Ranch Land Circle, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$840,000$2185/4.53,8601080.5
139 Saddlebunch Court, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESSep 2026$650,000$2144/2.53,036200.6
117 Beaufort Court, St. Johns, FL 32259Listed by NON MLS (realMLS)Sep 2026$735,532$2325/3.53,16900.7
60 Challedon Court, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESOct 2026$853,788$2514/4.53,408350.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,149,000
Price / Sq Ft$276
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage4,164
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Garages4
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

Zoned elementaryHickory Creek Elementary
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryHickory Creek
Reported middleSwitzerland Point
Reported highBartram Trail
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address447 Sapling Terrace, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionBartram Ranch
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0006902420

Amenities

UtilitiesElectricity Connected, Natural Gas Connected
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater
HeatingHeat Pump
CoolingCentral Air
# of Stories2

Additional Information

Date ListedSeptember 12, 2026
Days on Market56
HOA Fees$201 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: JACKSONVILLE TBI REALTY, LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Bartram Ranch

Bartram Ranch is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Bartram Ranch homes for sale →

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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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