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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$440,000

235 WILLOW LAKE Drive, St. Johns, FL 32092

Gran Lake

Price
$440,000
Beds / Baths
3 / 2
Living area
1,909 sqft
Year built
2020
Type
Residential
Lot
0.15 ac
Garage
2
HOA
$125/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
12
Elementary
Picolata Crossing
Middle
Pacetti Bay
High school
Tocoi Creek

$230/sqft asking, vs a $205/sqft median across 2,774 closed sales in 32092 over the last 12 months — 12% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Experience comfort and style in this beautifully appointed Gran Lake home, where the breathtaking lake view takes center stage. From the spacious screened lanai, enjoy peaceful views of the 23-acre lake and gather around the fire pit overlooking the water. Inside, 9-ft ceilings and wood-look laminate flooring create a bright, inviting atmosphere. The spacious great room features a cozy fireplace and flows into the dining area and well-appointed kitchen, complete with a breakfast bar, stainless steel appliances, upgraded cabinetry, and stylish finishes. A flexible den/office provides a dedicated workspace or additional living space. A dedicated laundry room with washer/dryer hookups adds everyday convenience. The spacious primary bedroom offers a spa-like ensuite with dual vanities, a large walk-in shower, soaking tub, and generous closet. Two additional bedrooms and a full bath provide plenty of space for guests or hobbies. Custom remote blinds, upgraded hardware, diode-lit vanities, and plush carpeting add polished touches throughout. The painted garage features built-in storage, motion-sensor lighting, and attic access. Additional highlights include a tankless water heater, full-home irrigation, gas BBQ hookup, and low HOA fees with pool and park access. No CDD fees! Come see why the incredible lake views, inviting spaces, and thoughtful upgrades make this Gran Lake home one you won't want to miss. Schedule your showing today!

What to check on this one

  • Confirm exact flood zone and elevation certificate requirement for waterfront lot.
  • Verify HOA $125/mo covers what; confirm Gran Lake amenities and rules.
  • Pull 4-point inspection (roof, plumbing, electrical, HVAC) — home is insurable now.
  • Check tankless water heater warranty and any service history.
  • Confirm no short-term rental restrictions in HOA docs.

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$2,283/mo
Property tax (1.1% eff., St. Johns Co.)$403/mo
Homeowners insurance (est.)$292/mo
HOA$125/mo
All-in monthly (est.)$3,103/mo

Loan $352,000 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 REDFIN CORPORATION. Data via realMLS (Northeast Florida MLS), updated Aug 24, 2026, 6:45 AM.

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.