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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 waterfront home in St. Johns County.

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Active

Active·2 days on market·Aberdeen

661 Fort William Drive

St. Johns, FL 32259

$749,000$260/sqftEst. $4,116/mo mortgageMLS# 2170957
5
Beds
4
Baths
2,885
Sq Ft
2017
Built
34
Garage
Yes
Pool

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

FEMA Zone XHOA $4/mo9,148 sqft lotWaterfrontSingle Family Residence2 stories

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About this home

Aberdeen

Come see this Amazing 5/4 DR Horton's Most Popular Floor Plan, the Destin with Massive Rear Bonus that can be a 5th Bedroom with Own Bath, Man Cave, or Bring the In-laws for their own space, New Carpet in All Bedrooms downstairs & Staircase Just Installed 10/24/26, Wood Tile in Main Areas, New Dishwasher - New Hot Water Heater - New Garage Fridge - A Must See with Custom Great Room Built Ins, Stunning Water Views from the moment you enter this Amazing Home, Freshly Painted, Home leads to Private Culdesac, PROFESSIONAL PICTS THIS THURSDAY 10/29/26

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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$4,116
Property taxesest. at asking price, St. Johns County$997
HOAbilled annually$4
Estimated total, before insurance$5,117/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,514/yr · $626/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

$749,000
$149,800
Loan Term
Monthly Payment
$4,116
Principal & Interest: $4,116
Property taxes (est.): $997
Insurance (est.): $499
Estimated Total Monthly
$5,612
*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.

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 2017)

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

Solar potential: ~1,629 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.

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): $7,514/yr

Estimated taxes if purchased at asking price: ~$12,000/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 26, 2026Listed$749,000

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 $213/sq ft; this home is listed at $260/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
212 Twining Trce, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$765,000$2555/32,9961270.2
104 Morayshire Court, St. Johns, FL 32259Listed by SET YOUR ANCHOR REALTYSep 2026$440,000$2024/22,182300.3
725 Piney Place, Jacksonville, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$750,000$2135/43,5291080.4
280 Queen Victoria Avenue, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$600,000$1695/3.53,544890.5
681 Grampian Highlands Drive, St. Johns, FL 32259Listed by ENDLESS SUMMER REALTYOct 2026$559,499$2025/32,7741630.8
1309 Hideaway Drive S, St. Johns, FL 32259Listed by WATSON REALTY CORPSep 2026$680,000$2404/32,839800.8

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$749,000
Price / Sq Ft$260
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage2,885
Total Structure Area2,885 sq ft
Acres0.21 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages34
Has PoolYes
Pool FeaturesIn Ground, Fenced, Salt Water
Is WaterfrontYes

School Information

Zoned elementaryFreedom Crossing Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryFreedom Crossing Academy
Reported highBartram Trail
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address661 Fort William Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionAberdeen
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size9,147.6 sq ft
Parcel Number0096812980

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Jogging Path, Park, Playground
Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage, Garage Door Opener
ViewPond, Pool, Protected Preserve, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit
Lot DescriptionCul-De-Sac, Dead End Street
Patio / PorchCovered, Patio, Porch, Rear Porch, Screened
FencingBack Yard
RoofShingle
ConstructionFiber Cement, Stone, Stucco
Road SurfaceAsphalt

Additional Information

Date ListedOctober 26, 2026
Days on Market2
HOA Fees$50 / Annually
HOA FrequencyAnnually
HOA NameAberdeen HOA
Tax Amount$7,514.2
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.

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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