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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$625,000

728 E CUMBERLAND Court, St. Johns, FL 32259

Julington Creek Plan

Price
$625,000
Beds / Baths
3 / 3
Living area
2,271 sqft
Year built
2000
Type
Residential
Lot
0.21 ac
Garage
2
HOA
$48/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
46
Elementary
Julington Creek
Middle
Fruit Cove
High school
Creekside

$275/sqft asking, vs a $221/sqft median across 2,395 closed sales in 32259 over the last 12 months — 25% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Oaks arching over the street & neighbors that wave when you're out for a walk. This is the type of neighborhood that makes you want to put down roots. Inside, you'll find wide plank floors, arched windows, and plantation shutters that let the natural light in all day long. There's a flex space off the main living area, perfect for a formal sitting room, music room, or whatever fits your life best. The kitchen, thoughtfully updated, is made for real living, quartz counters, an oversized island, and plenty of room to gather. The primary suite is a genuine retreat. Glass barn doors slide open to a spa style bath with a soaking tub,vessel sinks & a closet big enough to actually be useful. Out back, the fully fenced yard wraps around a sparkling saltwater pool & covered lanai, ideal for evenings by the fire pit. And the neighborhood keeps giving: two community pools, including the brand new Tide & Tonic bar and restaurant, tennis courts, a state of the art gym, skate park & playgrounds

What to check on this one

  • Verify flood zone designation and elevation certificate requirement for St. Johns area
  • Request CDD bond payoff amount and confirm no special assessments pending
  • Obtain HOA documents; confirm $48/mo fee and any pool/amenity restrictions
  • Get roof inspection report; home is 26 years old, check insurer acceptance
  • Confirm pool saltwater system maintenance history and equipment age
  • Review plumbing type; home built 2000 generally acceptable but verify no polybutylene

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$3,243/mo
Property tax (1.1% eff., St. Johns Co.)$573/mo
Homeowners insurance (est.)$365/mo
HOA$48/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$4,396/mo

Loan $500,000 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 CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST. Data via realMLS (Northeast Florida MLS), updated Aug 17, 2026, 6:44 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.