This home is in Kendall Creek, St. Johns — a home near Bartram Trail High School.
$649,7004 bd · 2.5 ba · 2,906 sq ft
Active·45 days on market·Kendall Creek
45 Oban Court
St. Johns, FL 32259
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About this home
Kendall Creek
2.625% ASSUMABLE VA LOAN OPPORTUNITY! Welcome to this beautifully appointed former model home in a quiet cul-de-sac community in St. Johns with no CDD fees and a 3-car garage. Take advantage of this assumable VA loan opportunity, subject to lender approval. The open-concept main level features a gourmet kitchen with quartz countertops, stainless-steel appliances, oversized island, walk-in pantry, and breakfast area, plus a private study and a first-floor primary suite with dual walk-in closets, garden tub, dual vanities, and a spacious stone shower. Upstairs offers a large loft, three additional bedrooms, and a full bath. Enjoy the covered lanai and peaceful treeline views. Additional features include a 2025 water heater and smart dual thermostats. Convenient to I-95, SR-13, shopping, dining, and Jacksonville. Ask about 1% of the loan amount toward closing costs or rate buydown with preferred lender. Preferred lender use is optional.
Next steps in Kendall Creek
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.
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 — 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: Shingle — year not disclosed (home built 2017)
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 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, 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.
Closest beach parking
Guana Reserve beach lot (north)about 18 mi · 70 parking spaces
Closest park or preserve
Alpine Groves Park5 min drive · 1 mi of trails
Closest public boat ramp
Knight's Boat Ramp and Marina on Black Creekabout 5 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 2 mi · St. Johns River
Closest youth league fields
Switzerland Point Park6 min drive · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publix4 min drive · 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $511,565 | $0 | — |
| 2024 | $488,530 | $0 | — |
| 2023 | $523,353 | $0 | — |
| 2022 | $405,246 | $0 | — |
| 2021 | $311,721 | $0 | — |
| 2020 | $314,214 | $0 | — |
2025 property taxes (current owner): $334/yr
Estimated taxes if purchased at asking price: ~$10,400/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 (2025), NEFMLS.
History
Price & status history
- Sep 17, 2026Listed$649,700
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 $271/sq ft; this home is listed at $224/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 255 Worthington Parkway, Fruit Cove, FL 32259Listed by HERRON REAL ESTATE LLC | Sep 2026 | $880,000 | $258 | 5/4 | 3,410 | 76 | 0.5 |
| 238 Luminous Avenue, St. Johns, FL 32259Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $619,340 | $271 | 3/2.5 | 2,289 | 1 | 0.8 |
| 216 Luminous Avenue, St. Johns, FL 32259Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $700,190 | $274 | 4/3 | 2,556 | 1 | 0.8 |
| 585 Luminous Avenue, St. Johns, FL 32259Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $582,990 | $254 | 5/3 | 2,296 | 1 | 0.9 |
| 57 Aileron Lane, St. Johns, FL 32259Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $546,904 | $256 | 4/3 | 2,139 | 1 | 0.9 |
| 1161 Whispering Pines Road, St. Johns, FL 32259Listed by FLORIDA'S CHOICE REALTY LLC | Oct 2026 | $655,000 | $312 | 3/3 | 2,097 | 38 | 0.9 |
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: FLORIDA HOMES REALTY & MTG 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 Kendall Creek
Kendall Creek is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines