$525,000
St. Johns, FL 32259
MLS# 2138280
4 beds | 3 baths
1 / 35
Property Description
*ASSUMABLE 2.5% FHA LOAN* Rare opportunity to assume an existing FHA loan with an incredibly low 2.5% interest rate for qualified buyers--offering the potential for substantial monthly savings compared to today's market rates. In a market where affordability matters more than ever, this feature alone makes this home stand out from the competition. Built in 2020, this upgraded Richmond American Moonstone floor plan offers something increasingly difficult to find in St. Johns County newer construction: space, privacy, flexibility, and no CDD fees. Set on a larger homesite with more room between neighbors, this property delivers the breathing room buyers are searching for without sacrificing modern finishes or convenience. From the moment you arrive, the expanded paver driveway provides parking for up to six vehicles and creates a strong first impression. Inside, the thoughtfully designed floor plan
Details
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Documents
Contract Information
Current Price: $525,000
Property Sub Type: Single Family Residence
Property Attached YN: No
Status: Active
List Price: $525,000
Listing Contract Date: 2026-04-03
Location Tax and Legal
Street Number: 173
Street Name: FLACH
Street Suffix: Drive
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 301-Julington Creek/Switzerland
Subdivision Name: Lakes At Mill Creek
General Property Information
Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Half: 1
Bathrooms Total: 3
Living Area: 2652
Living Area Source: Public Records
Year Built: 2020
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.27
Association YN: Yes
Association Fee: 600
Association Fee Frequency: Annually
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 2
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Furnished: Unfurnished
Stories: 2
Senior Community YN: No
Direction Faces: Northeast
Directions: From the intersection of I-295 and San Jose Blvd, head south on San Jose Blvd. Turn Left onto Roberts Rd. Turn Right on Long Leaf Pkwy. Turn Right on Greenbrier Rd. Turn Right on Rubicon Dr. Turn Left on Flach Dr. The home will be on your Left.
Public Remarks: *ASSUMABLE 2.5% FHA LOAN* Rare opportunity to assume an existing FHA loan with an incredibly low 2.5% interest rate for qualified buyers--offering the potential for substantial monthly savings compared to today's market rates. In a market where affordability matters more than ever, this feature alone makes this home stand out from the competition.
Built in 2020, this upgraded Richmond American Moonstone floor plan offers something increasingly difficult to find in St. Johns County newer construction: space, privacy, flexibility, and no CDD fees. Set on a larger homesite with more room between neighbors, this property delivers the breathing room buyers are searching for without sacrificing modern finishes or convenience.
From the moment you arrive, the expanded paver driveway provides parking for up to six vehicles and creates a strong first impression. Inside, the thoughtfully designed floor plan
List Price/SqFt: 197.96
Status Change Information
Major Change Timestamp: 2026-04-28T15:17:51Z
Major Change Type: Price Reduced
Price Change Timestamp: 2026-04-28T15:17:51Z
DPR Eligible
DPR Eligible: Yes
Property Features
Architectural Style: Traditional
Levels: Two
Appliances: Disposal; Gas Cooktop; Gas Range; Microwave; Refrigerator; Tankless Water Heater
Interior Features: Breakfast Bar
Utilities: Cable Available; Electricity Connected; Sewer Connected; Water Connected
Cooling: Central Air
Heating: Central
Water Source: Public
Parking Features: Attached; Garage; Garage Door Opener
Current Use: Residential
Possession: Close Of Escrow
Listing Terms: Assumable; Cash; Conventional; FHA; VA Loan
Supplements
balances open-concept living with everyday functionality including spacious gathering areas, flexible work-from-home space, and room for guests or multi-generational living.
The kitchen flows seamlessly into the living and dining spaces, creating an ideal setup for entertaining and everyday living alike. Large windows throughout the home bring in abundant natural light while highlighting the privacy and openness that set this property apart from many newer communities.
Step outside to one of the home's standout features: an extended screened lanai and upgraded outdoor living area designed for year-round Florida enjoyment. With outdoor kitchen hookups and additional patio space, the backyard is ready for entertaining, relaxing, and making the most of Florida living.
Unlike many nearby new construction communities, this home combines modern construction with the features buyers consistently say they want most: a larger lot, more distance between homes, expanded parking, outdoor living space, and freedom from costly CDD fees.
Located in highly sought-after St. Johns County and zoned for top-rated schools including Hickory Creek Elementary, Switzerland Point Middle, and Bartram Trail High School, this home offers a rare blend of affordability, functionality, privacy, and lifestyle that is becoming increasingly hard to find.
From the moment you arrive, the expanded paver driveway makes an impression, providing parking for up to six vehicles in addition to the 2-car garage--a rare and highly practical feature for gatherings or multi-driver households.
Inside, the layout is designed with flexibility in mind. The downstairs office offers an ideal work-from-home setup, with the potential to easily convert into a true guest suite by adding a shower for a full bath. The open-concept main living area flows seamlessly, creating a space that works just as well for everyday living as it does for entertaining
Survey 
Listing Office: KELLER WILLIAMS JACKSONVILLE
Last Updated: June - 13 - 2026
Information deemed reliable but not guaranteed.