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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 Aberdeen, St. Johns a home near Bartram Trail High School.

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Active

Active·Listed today·Aberdeen

389 Shetland Drive

St. Johns, FL 32259

$494,900$212/sqftEst. $2,621/moMLS# 2165566
4
Beds
2.5
Baths
2,338
Sq Ft
2016
Built
2
Garage
No
Pool
HOA $4/mo6,534 sqft lotSingle Family Residence2 stories

About this home

Aberdeen

4BR 2.5BA 2338 SF, 2 Car gar. screened lanai & a private fenced rear yard. Welcome to this spacious open concept home located in the highly desirable Aberdeen community known for its excellent schools and a family-friendly resort like lifestyle. The spacious kitchen offers a large center island & flows seamlessly into the generous LR & DR areas, making it ideal for everyday living and entertaining. Kitchen features a gas range, free standing hood exhaust and subway tile back splash. There is an oversized island, appliance electrical closet with wood shelves and sliding door offering easy access. The pantry also offers wood shelving. All lighting upgraded to LED low energy fixtures & bulbs, The entrance, DR and upstairs feature wood and batten accent walls. The spacious owner's suite offers ensuite bath with double sink vanity, Lg soaking tub, & a separate glassed shower. The walk-in closet features a $4,000 custom California closet upgrade. All window coverings will convey.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$2,621
Property taxesest. at asking price, St. Johns County$659
HOAbilled annually$4
Estimated total, before insurance$3,283/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,264/yr · $439/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$494,900
$98,980
Loan Term
Monthly Payment
$2,621
Principal & Interest: $2,621
Property taxes (est.): $659
Insurance (est.): $330
Estimated Total Monthly
$3,609
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 2016)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,772 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 home

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,264/yr

Estimated taxes if purchased at asking price: ~$7,900/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 19, 2026Listed$494,900

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

Features

Price$494,900
Price / Sq Ft$212
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,338
Total Structure Area2,980 sq ft
Acres0.15 acres
Year Built2016
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSoutheast

Community Information

Address389 Shetland Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionAberdeen
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size6,534 sq ft
Parcel Number0097625060
ZoningPUD

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Playground
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Oven, Gas Range, Ice Maker, Washer, Water Softener Owned
HeatingCentral, Electric, Zoned
CoolingCentral Air, Electric, Zoned
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)
Spa FeaturesCommunity

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Rear Porch, Screened
FencingBack Yard, Vinyl
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 19, 2026
Days on Market0
HOA Fees$50 / Annually
HOA FrequencyAnnually
HOA NameAberdeen
Tax Amount$5,264.06
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS · csloan@remax.net

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 Aberdeen

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

View all Aberdeen homes for sale →

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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