This home is in St. Johns — a pool home in St. Johns County.
Active·46 days on market
173 Belmont Drive
St. Johns, FL 32259
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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.
Next steps in Fruit Cove
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 2001)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (south)about 16 mi · 94 parking spaces
Closest park or preserve
Alpine Groves Parkabout 4 mi · 1 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 4 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 5 mi · St. Johns River
Closest youth league fields
Rivertown II Athletic Complexabout 4 mi · Soccer, Baseball, Basketball, Football, Pickleball, Softball
Closest grocery store
Publixabout 2 mi · 205 Rivertown Shops Dr, Saint Johns
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.
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.
History
Price & status history
- Oct 18, 2026Active$1,300,000
- Oct 6, 2026Active Under Contract$1,300,000
- Sep 12, 2026Listed$1,300,000
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 $236/sq ft; this home is listed at $395/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 82 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Jul 2026 | $596,995 | $229 | 4/3.5 | 2,610 | 4 | 1.1 |
| 79 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Jul 2026 | $546,485 | $232 | 4/2.5 | 2,360 | 3 | 1.1 |
| 460 Shinnecock Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $915,000 | $281 | 4/3 | 3,258 | 13 | 1.2 |
| 36 Renew Court, St. Johns, FL 32259Listed by ROUND TABLE REALTY | Sep 2026 | $540,000 | $229 | 4/2.5 | 2,360 | 59 | 1.2 |
| 381 Shinnecock Drive, St. Johns, FL 32259Listed by EXP REALTY LLC | Aug 2026 | $1,010,000 | $336 | 4/3.5 | 3,008 | 72 | 1.2 |
| 21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLC | Sep 2026 | $580,000 | $236 | 4/3 | 2,461 | 78 | 1.4 |
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
School Information
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 through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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