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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 Forest, St. Johns — a gated community home in St. Johns County.

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Active

Active·Listed today·St Johns Forest

192 S Arabella Way

St. Johns, FL 32259

$450,000$288/sqftEst. $2,402/moMLS# 2166579
3
Beds
2
Baths
1,562
Sq Ft
2009
Built
2
Garage
No
Pool
HOA $260/mo8,712 sqft lotSingle Family Residence1 story

About this home

St Johns Forest

Welcome to this beautifully maintained home nestled in a gorgeous gated community with tree lined streets. Situated on a peaceful preserve lot with a fully fenced yard, this home provides a wonderful setting for relaxing or entertaining. Inside, you'll find luxury vinyl plank flooring throughout the entire home, creating a stylish and cohesive look that is both beautiful and easy to maintain. The interior and exterior have recently been repainted, giving the home a fresh, move-in-ready feel. The kitchen is equipped with all-new appliances, and the washer and dryer are also new. Step outside to enjoy the screened lanai, overlooking the private preserve setting and fully fenced yard. The home's exterior stone accents, attractive landscaping, and great curb appeal make a wonderful first impression. A beautifully updated home, private preserve setting, and fantastic community amenities—this one is ready to welcome you home!

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$2,402
Property taxesest. at asking price, St. Johns County$599
HOAbilled quarterly$260
Estimated total, before insurance$3,261/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,094/yr · $508/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

$450,000
$90,000
Loan Term
Monthly Payment
$2,402
Principal & Interest: $2,402
Property taxes (est.): $599
Insurance (est.): $300
Estimated Total Monthly
$3,301
*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 2009)

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

Solar potential: ~1,697 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): $6,094/yr

Estimated taxes if purchased at asking price: ~$7,200/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 25, 2026Listed$450,000

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

Features

Price$450,000
Price / Sq Ft$288
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,562
Acres0.20 acres
Year Built2009
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

School Information

Community Information

Address192 S Arabella Way, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionSt Johns Forest
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size8,712 sq ft
Parcel Number0263340590

Amenities

AmenitiesPool, Basketball Court, Cable TV, Clubhouse, Fitness Center, Gated, Jogging Path, Management - Off Site, Playground
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Connected, Natural Gas Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage Door Opener
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Refrigerator, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air
FlooringLaminate, Tile
# of Stories1

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear, Wooded
Patio / PorchPorch, Rear Porch, Screened
FencingFull, Wrought Iron
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 25, 2026
Days on Market0
HOA Fees$779 / Quarterly
HOA FrequencyQuarterly
HOA NameSt Johns Forest Freedom Community Management
HOA Fee IncludesCable TV, Internet
Tax Amount$6,093.94
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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 St Johns Forest

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

View all St Johns Forest 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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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