This home is in St. Johns — a pool home in St. Johns County.
$1,640,0005 bd · 4.5 ba · 3,695 sq ft
Active·Listed today
140 Belmont Drive
St. Johns, FL 32259
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About this home
St. Johns
Brick and stucco ranch style equestrian home on 7.1 acres. This home has 5 bedrooms, three with ensuite bathrooms and one with a half bath, with a total of 4 ½ bathrooms. Enjoy the screen enclosed 40ft salt pool with heat pump, with generous covered lanai. A large paddock for grazing sits near the house, and a four-stall horse barn with an approximate 3.5 acres sits in back behind a forested 2 acres preserve. Horses are cool and dry in a large covered run butting up to the barn stalls. In the house, enjoy a mix of pecan hardwood and tile floors. Large kitchen opens to family room with views to the pool and preserve. Whitelock Farms equestrian amenities are less than 1 mile down the quiet road, which makes for an easy ride along the common area swales. Allowance or closing credit provided for appliances.
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 — minimal flood hazard (the whole 7.1-acre lot)
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 2005)
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: ~1,634 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 November 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 (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
Switzerland Point Parkabout 4 mi · Baseball, Football, Lacrosse, Softball, Track
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.
Sun & Light
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard and pool on the northwest side. Today at this address: sunrise 6:45 AM, sunset 5:35 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $8,939/yr
Estimated taxes if purchased at asking price: ~$26,200/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
- Nov 6, 2026Active$1,640,000
- Sep 21, 2026Listed$1,640,000
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 $336/sq ft; this home is listed at $444/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 104 Belmont Drive, St. Johns, FL 32259Listed by CB ISAAC REALTY | Nov 2026 | $1,200,000 | $381 | 4/3 | 3,147 | 111 | 0.5 |
| 460 Shinnecock Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $915,000 | $281 | 4/3 | 3,258 | 13 | 1.1 |
| 381 Shinnecock Drive, St. Johns, FL 32259Listed by EXP REALTY LLC | Aug 2026 | $1,010,000 | $336 | 4/3.5 | 3,008 | 72 | 1.1 |
| 111 Greenbriar Estates Drive, St. Johns, FL 32259Listed by HANEY SIGNATURE REALTY LLC | Oct 2026 | $1,480,000 | $416 | 4/3.5 | 3,561 | 5 | 1.2 |
| 101 Bridgeton Street, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC | Oct 2026 | $849,000 | $317 | 4/3 | 2,677 | 57 | 1.3 |
| 359 Glenneyre Circle, St. Augustine, FL 32092Listed by WEICHERT REALTORS COASTAL CITY | Aug 2026 | $778,500 | $200 | 4/4 | 3,901 | 38 | 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: 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.
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Krista Fracke
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