This home is in St. Johns — a pool home in St. Johns County.
No photos available
This listing has no photos yet
No photos available
This listing has no photos yet
Active·Listed today
173 Belmont Drive
St. Johns, FL 32259
About this home
St. Johns
As you turn on your circular drive with towering Oaks and manicured landscape you feel the calm that living in the country on acreage brings. This beautiful residence is situated on 4.61 acres in the equestrian community of, Whitelock Farms. If you dream of having horses, chickens maybe start organic gardening, you will love this property. It is ready for interior updates to make it your own. The major components are done. The exterior was just painted and sealed, newer roof, HVAC, Pool equipment, pool interior finish, pool deck painted. Living is, 3294 sf, 4 bedroom , 4 bath . The primary is downstairs along with dedicated office and two bedrooms with jack and jill bath. Upstairs- one bedroom with full bath, perfect for teen or guest suite. The floorplan works well for entertaining with formal dining room, kitchen that is open to family room and flows out to the pool. The pool area has a summer kitchen and covered area that could accommodate a large table for dining al fresco.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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): $6,623/yr
Estimated taxes if purchased at asking price: ~$20,800/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.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2001)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,674 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 homeThis 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 12, 2026Listed$1,300,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Whitelock Farms
Active$1,395,000MLS# 2147946Est. $7,425/mo104 Belmont Drive, St. Johns, FL 322594 Beds3 Baths3,147 sqftA PRIVATE 2.53-ACRE ESTATE IN WHITELOCK FARMS. Discover a rare opportunity to enjoy privacy, space and an exceptional…
ResidentialCB ISAAC REALTY
Pending$1,975,000MLS# 2126598Est. $10,512/mo418 Triple Crown Lane, St. Johns, FL 322594 Beds4 Baths5,104 sqftExperience refined estate living within the highly sought-after Whitelock Farms community where the very best of…
ResidentialBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Keep looking
Similar homes in St. Johns
Explore the area
More in St. Johns County
St. Johns County guides & reports
Your Local Realtor
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 home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines