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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 Julington Creek, St. Johns — a golf course home in St. Johns County.

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Pending

Pending·8 days on market·Julington Creek

993 W Tennessee

St. Johns, FL 32259

$325,000$137/sqftEst. $1,735/moMLS# 2165837
4
Beds
2
Baths
2,371
Sq Ft
2003
Built
2
Garage
Yes
Pool

41 more homes for sale in Julington Creek →Search Julington Creek on the map

HOA $48/mo9,583 sqft lotSingle Family Residence2 stories

About this home

Julington Creek

Welcome to an incredible opportunity in the highly sought-after community of Julington Creek Plantation! This 4 Br home offers a fantastic opportunity to bring your vision to life & create a home that truly reflects personal style. The spacious floor plan offers 4 BR's, 2 Baths & a large upstairs Bonus Room which can be used as home office, media room, playroom, or additional living space. One of the standout features of this property is the Beautiful Pool & outdoor large paver patio, added in 2017. The pool area is sure to be a favorite gathering place for family and friends. The fully fenced backyard provides additional privacy & space to enjoy the outdoors. This home offers a wonderful opportunity to make it your own, bringing your personal touches, add your updates, and create a beautiful home in desirable St. John's county! Home ''SOLD AS IS''

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,735
Property taxesest. at asking price, St. Johns County$432
HOAbilled annually$48
Estimated total, before insurance$2,216/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,499/yr · $625/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$325,000
$65,000
Loan Term
Monthly Payment
$1,735
Principal & Interest: $1,735
Property taxes (est.): $433
Insurance (est.): $217
Estimated Total Monthly
$2,384
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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 2003)

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

Solar potential: ~1,693 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): $7,499/yr

Estimated taxes if purchased at asking price: ~$5,200/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 21, 2026Pending$325,000
  • Sep 21, 2026Listed$325,000

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

Features

Price$325,000
Price / Sq Ft$137
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,371
Acres0.22 acres
Year Built2003
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionFixer
StatusPending
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address993 W Tennessee, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionJulington Creek Plan
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size9,583.2 sq ft
Parcel Number2495491230

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Pickleball, Playground, Tennis Court(s)
Community FeaturesStreet Lights, Curbs
UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Multi Units
FlooringCarpet, Laminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

Exterior

Lot DescriptionDead End Street, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio
FencingBack Yard, Vinyl
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 21, 2026
Days on Market0
HOA Fees$580 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds
Tax Amount$7,499.41
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS JACKSONVILLE

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 Julington Creek

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

View all Julington Creek homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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