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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 waterfront home in St. Johns County.

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Active·Listed today·Julington Creek

384 Maplewood Drive

St. Johns, FL 32259

$474,900$233/sqftEst. $2,630/moMLS# 2168475
Open house Sat, Oct 10 · 11:00 am–3:00 pm
3
Beds
3
Baths
2,040
Sq Ft
1998
Built
2
Garage
No
Pool

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

HOA $46/mo12,197 sqft lotWaterfrontSingle Family Residence1 story

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

Julington Creek

Peaceful pond views, good vibes and a versatile layout distinguish this three-bedroom three-bath home. Dedicated office space and a dining room welcome you inside. The covered lanai and pond view draw your eyes to the expansive fully fenced yard. Enjoy casting a line, watching the birds or marveling at the splendor when the sun reflects off the water. With 2040 square feet, two primary suites, and an office, this home provides comfortable spaces for living, working from home and entertaining. Rich wood flooring and crown molding lend warmth to the interior, while the split bedroom design creates privacy for each bedroom. Granite countertops connect the living area and breakfast nook. Both primary suites include oversized soaking tubs for the bubble bath aficionado. These rooms provide the ultimate private wings of the home. The shining star would be the covered lanai, where pavers and a view create a serene and relaxing place to gather.

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$2,630
Property taxesest. at asking price, St. Johns County$632
HOAbilled annually$46
Estimated total, before insurance$3,308/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,827/yr · $486/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

$474,900
$94,980
Loan Term
Monthly Payment
$2,630
Principal & Interest: $2,630
Property taxes (est.): $632
Insurance (est.): $317
Estimated Total Monthly
$3,579
*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.

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 1998)

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

Solar potential: ~1,731 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): $5,827/yr

Estimated taxes if purchased at asking price: ~$7,600/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

  • Oct 8, 2026Listed$474,900

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

Features

Price$474,900
Price / Sq Ft$233
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,040
Acres0.28 acres
Year Built1998
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address384 Maplewood Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionJulington Creek Plan
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size12,196.8 sq ft
Parcel Number2493501990

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Playground, Tennis Court(s)
UtilitiesElectricity Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
Waterfront TypePond

Interior

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne

Exterior

RoofShingle

Additional Information

Date ListedOctober 8, 2026
Days on Market0
HOA Fees$550 / Annually
HOA FrequencyAnnually
HOA NameJulington Creek Plantation
Tax Amount$5,826.81
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

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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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

10/10/2026

11:00 am - 3:00 pm