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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 Aberdeen, St. Johns — a home near Bartram Trail High School.

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Active

Active·Listed today·Aberdeen

659 Shetland Drive

St. Johns, FL 32259

$455,000$237/sqftEst. $2,520/moMLS# 2167978
Open house Sat, Oct 10 · 11:00 am–2:00 pm
4
Beds
2
Baths
1,923
Sq Ft
2018
Built
2
Garage
No
Pool

22 more homes for sale in Aberdeen →Search Aberdeen on the map

FEMA Zone XHOA $4/mo7,405 sqft lotSingle Family Residence1 story

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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.

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

About this home

Aberdeen

Location, location, location. This one is ready for you to move in and start living. Set on a fenced preserve lot in Aberdeen, this 4 bedroom, 2 bath single-story home offers 1,923 square feet and a smart split floor plan with new carpet and fresh paint. The kitchen anchors the home with a natural gas cooktop, a large island with breakfast bar, and a pantry, all open to the great room. Custom French doors close off the secondary bedrooms and hall bath, creating a quiet wing for guests, or home office. The primary suite includes a walk-in closet and walk-in shower. Out back, a screened lanai with extended pavers overlooks the backyard and wooded preserve. Aberdeen offers a clubhouse, pool, tennis and basketball courts, playground and walking paths, with Aberdeen Park & Freedom Crossing Academy just down the street. Shopping and dining are close by. With its fresh updates, functional floor plan and preserve-backed homesite, 659 Shetland Drive 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 · 7.4% · 30yr$2,520
Property taxesest. at asking price, St. Johns County$605
HOAbilled annually$4
Estimated total, before insurance$3,130/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,334/yr · $611/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

$455,000
$91,000
Loan Term
Monthly Payment
$2,520
Principal & Interest: $2,520
Property taxes (est.): $605
Insurance (est.): $303
Estimated Total Monthly
$3,429
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

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: ~1,582 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

As of October 2026, 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): $7,334/yr

Estimated taxes if purchased at asking price: ~$7,300/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

  • Oct 9, 2026Active$455,000
  • Oct 5, 2026Listed$455,000

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

Features

Price$455,000
Price / Sq Ft$237
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,923
Acres0.17 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address659 Shetland Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionAberdeen
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size7,405.2 sq ft
Parcel Number0097626210
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Park, Playground
Community FeaturesSidewalks, Street Lights
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Patio, Screened
FencingBack Yard, Privacy, Vinyl
RoofShingle
ConstructionComposition Siding

Additional Information

Date ListedOctober 9, 2026
Days on Market0
HOA Fees$50 / Annually
HOA FrequencyAnnually
Tax Amount$7,333.7
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY 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.

The neighborhood

About Aberdeen

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

View all Aberdeen 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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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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10/10/2026

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