Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$420,000

401 TWIN OAKS Lane, St. Johns, FL 32259

Julington Creek Plan

Price
$420,000
Beds / Baths
3 / 2
Living area
1,984 sqft
Year built
2001
Type
Residential
Lot
0.3 ac
Garage
2
HOA
$48/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
84
Elementary
Julington Creek
Middle
Fruit Cove
High school
Creekside

Delightful open, larger 3/2 on generous corner. Study/office with built-ins & double-sided fireplace. Formal dining room has wainscotting & wood floors that extend thru the foyer & the family room. Kitchen has large dine-in area, breakfast bar, double sinks, raised panel cabinets & built-in microwave. Family room overlooks covered lanai & spacious fenced back yard with storage shed. Julington Creek Plantation is one of the most desirable, convenient, planned communities in Florida, and the amenities are numerous, new, available, & fun.

What to check on this one

  • Verify flood zone designation and obtain elevation certificate if in AE/VE.
  • Pull CDD bond payoff amount and confirm annual assessment obligations.
  • Order 4-point inspection; roof is 23 years old, verify insurer will cover.
  • Confirm HOA $48/mo covers what; request bylaws and any pending special assessments.
  • Check plumbing material (polybutylene risk, 2001 build) with licensed inspector.
  • Verify property survey and setback compliance on corner lot.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$2,179/mo
Property tax (1.1% eff., St. Johns Co.)$385/mo
Homeowners insurance (est.)$292/mo
HOA$48/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$3,071/mo

Loan $336,000 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of ROUND TABLE REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 30, 2026, 10:28 PM.

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