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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

Active·Listed today

880 Black Cherry Drive S 880

St. Johns, FL 32259

$289,900Est. $1,593/mo mortgageMLS# 2170782
3
Beds
2.5
Baths
0
Sq Ft
2006
Built
1
Garage
No
Pool
HOA $400/moTownhouse2 stories

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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 charming townhome in a desirable neighborhood at Cypress Trace in St. Johns! This cozy 3 bedroom and 2.5 baths offers over 1,600 square feet of living space. A functional and spacious lay out with bedrooms upstairs that includes a loft area. The main living area has plenty of room for gatherings and every day living that includes crown moldings, granite counter tops and stainless steel appliances. Step outside to enjoy a preserve view while you sip your morning coffee and the late nights. Excellent opportunity to enjoy low maintenance, easy living in St. Johns County. Perfect for first time home buyers, when your downsizing or investment. Enjoy the community amenities that include neighborhood pool. Convenient location close to major highways, schools, shopping and entertainment. Schedule a showing today!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$1,593
Property taxesest. at asking price, St. Johns County$386
HOAbilled monthly$400
Estimated total, before insurance$2,379/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,391/yr · $283/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

$289,900
$57,980
Loan Term
Monthly Payment
$1,593
Principal & Interest: $1,593
Property taxes (est.): $386
Insurance (est.): $193
Estimated Total Monthly
$2,172
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 2006)

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

Solar potential: ~1,685 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.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,391/yr

Estimated taxes if purchased at asking price: ~$4,600/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 24, 2026Listed$289,900

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.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
808 Black Cherry Drive S, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$194,000$1532/2.51,268390.1
1018 N Black Cherry Drive, St. Johns, FL 32259Listed by REMAX WELCOME HOMESep 2026$188,700$1293/2.51,468250.2
413 Marquesa Circle, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$900,000$3393/2.52,6571751.1
12140 Ashview Lane 11-76, Jacksonville, FL 32256Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$591,084$2393/3.52,47801.2
6199 Bartram Village Drive, Jacksonville, FL 32258Listed by WATSON REALTY CORPSep 2026$243,000$1723/2.51,412341.2
703 Rum Runner Way, St. Johns, FL 32259Listed by MOXII PRO REALTYAug 2026$599,900$1954/33,083471.2

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

Price$289,900
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Year Built2006
TypeResidential
Sub-TypeTownhouse
StyleA-Frame
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
55+ CommunityYes

School Information

Community Information

Address880 Black Cherry Drive S 880, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionCrossings At Cypress Trace
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0234291006
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Gated, Maintenance Grounds, Playground, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Gated
UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener
ViewProtected Preserve

Interior

AppliancesConvection Oven, Dishwasher, Dryer, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories2
LevelsTwo

Exterior

Lot DescriptionWooded
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedOctober 24, 2026
Days on Market0
HOA Fees$400 / Monthly
HOA FrequencyMonthly
Tax Amount$3,390.67
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: CROSSVIEW REALTY

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.

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

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