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This home is in Aberdeen, St. Johns.

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Active·Listed today·Aberdeen

192 Grampian Highlands Drive

St. Johns, FL 32259

$625,000$190/sqftEst. $3,310/moMLS# 2165575
5
Beds
4
Baths
3,286
Sq Ft
2018
Built
3
Garage
No
Pool
HOA $4/mo8,712 sqft lotSingle Family Residence2 stories

About this home

Aberdeen

Discover the perfect blend of space, comfort, and versatility in this pristine home. The open floor plan flows seamlessly, with the kitchen featuring a generous island open to the main living area and breakfast nook, perfect for everyday living and entertaining. The primary suite is conveniently located downstairs. Upstairs, you'll find a private bonus room with its own bathroom. A rare feature sets this property apart: an attached mother-in-law suite complete with its own separate entrance, kitchenette, living room, bedroom, and bathroom--ideal for multigenerational living or hosting guests. Enjoy the screened-in lanai overlooking a nicely sized yard and scenic preserve, and take advantage of the three-car garage for ample storage. This home truly has it all.

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$3,310
Property taxesest. at asking price, St. Johns County$832
HOAbilled annually$4
Estimated total, before insurance$4,146/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,421/yr · $618/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

$625,000
$125,000
Loan Term
Monthly Payment
$3,310
Principal & Interest: $3,310
Property taxes (est.): $832
Insurance (est.): $417
Estimated Total Monthly
$4,558
*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 2018)

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

Solar potential: ~1,715 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): $7,421/yr

Estimated taxes if purchased at asking price: ~$10,000/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$625,000

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

Features

Price$625,000
Price / Sq Ft$190
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,286
Acres0.20 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

Community Information

Address192 Grampian Highlands Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionAberdeen
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size8,712 sq ft
Parcel Number0097625950

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Park, Playground
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsOne and One Half
LaundryLower Level

Exterior

Patio / PorchCovered, Rear Porch, Screened
RoofShingle
ConstructionComposition Siding
Road FrontageCity Street

Additional Information

Date ListedSeptember 19, 2026
Days on Market0
HOA Fees$50 / Annually
HOA FrequencyAnnually
Tax Amount$7,420.98
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS · marischmid1@gmail.com

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.

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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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