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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 St. Johns — a home near Beachside High School.

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Active

$539,9004 bd · 3 ba · 2,393 sq ft

Active·47 days on market

132 Stonecrest Drive

St. Johns, FL 32259

$539,900$226/sqftEst. $2,944/mo mortgageMLS# 2166188
↓ $15,100 below original list
4
Beds
3
Baths
2,393
Sq Ft
2023
Built
2
Garage
No
Pool
FEMA Zone XHOA $114/mo5,227 sqft lotSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St. Johns

Welcome to this meticulously maintained, beautiful move-in-ready home in the desirable Stonecrest community, located in the heart of St. Johns and zoned for highly sought-after schools! Enjoy a LOW HOA and NO CDD FEES! Featuring over $60,000 in carefully selected upgrades and improvements, this newer 4-bedroom, 3-bathroom home with a spacious bonus room offers exceptional comfort and versatility. The open-concept interior features beautiful wood-look luxury vinyl plank flooring on both levels. Abundant natural light fills the living spaces and leads into the beautifully appointed kitchen, showcasing gorgeous quartz countertops, 42" cabinets, an apron-front farmhouse sink, stunning Bespoke counter-depth double-drawer refrigerator, kitchen island and designer pendant lighting. The first floor also offers a versatile multigenerational living, guests or home office setup, with a full bedroom and bathroom, a conveniently located laundry room and a garage kitchenette with a sink.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,944
Property taxesest. at asking price, St. Johns County$718
HOAbilled monthly$114
Estimated total, before insurance$3,776/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,456/yr · $371/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

$539,900
$107,980
Loan Term
Monthly Payment
$2,944
Principal & Interest: $2,944
Property taxes (est.): $718
Insurance (est.): $360
Estimated Total Monthly
$4,022
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,721 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.

As 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.

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

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:47 AM, sunset 5:33 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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): $4,456/yr

Estimated taxes if purchased at asking price: ~$8,600/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 3, 2026Price change$539,900−$5,000
  • Oct 12, 2026Price change$544,900−$10,100
  • Sep 23, 2026Listed$555,000

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 $241/sq ft; this home is listed at $226/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
14916 W Fern Hammock Drive, Jacksonville, FL 32258Listed by HOUSE & HAVENOct 2026$454,500$1824/32,492630.7
6242 Dalton Spring Court, Jacksonville, FL 32258Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$410,000$2424/21,693150.8
63 Caribbean Place, St. Johns, FL 32259Listed by BLUEFIN REAL ESTATE GROUPOct 2026$615,000$2414/32,555531.1
15086 Bulow Creek Drive, Jacksonville, FL 32258Listed by MOMENTUM REALTYOct 2026$486,000$1745/32,7961201.2
12122 Hopkinton Court, Jacksonville, FL 32256Listed by REAL BROKER LLCOct 2026$502,000$1675/33,012401.2
12127 Endeavor Drive, Jacksonville, FL 32256Listed by JACKSONVILLE TBI REALTY, LLCOct 2026$775,000$2883/32,6901051.3

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$539,900
Price / Sq Ft$226
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,393
Total Structure Area2,969 sq ft
Acres0.12 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

Zoned elementaryDurbin Creek Elementary
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryDurbin Creek
Reported middleFruit Cove
Reported highBeachside
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address132 Stonecrest Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionStonecrest
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size5,227.2 sq ft
Parcel Number0234960090
ZoningResidential

Amenities

AmenitiesPool, Playground
UtilitiesElectricity Available, Natural Gas Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
Green / EnergyThermostat, Windows
ParkingGarage, Garage Door Opener
ViewPond, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Patio
FencingFull, Privacy, Vinyl
RoofShingle
ConstructionConcrete

Additional Information

Date ListedSeptember 23, 2026
Days on Market47
HOA Fees$114 / Monthly
HOA FrequencyMonthly
HOA NameStonecrest Homeowners Association of St. Johns
Tax Amount$4,456.36
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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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