Plantation Estates at Julington Creek Plantation

440 E KESLEY LN

Saint Johns, FL 32259
For Sale $1,500,000
5 bd · 5 ba · Built 2007
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of BLACKSTONE REAL ESTATE (jy@HomesbyJY.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Welcome to this exceptional 5,093 sq ft estate in the gated community of Julington Creek Plantation, offering 5 bedrooms and 5 full baths with timeless elegance throughout. Extensive crown molding and plantation shutters enhance nearly every room, adding architectural detail and a polished, custom finish. The open, light-filled floor plan is centered around a gourmet kitchen with a gas cooktop, abundant cabinetry, and expansive prep space--perfect for everyday living and entertaining. The living areas flow seamlessly to a private backyard retreat featuring a heated pool and spa with stunning lake views, plus a fully equipped outdoor kitchen with grill, sink, and refrigerator--ideal for year-round gatherings. The spacious primary suite offers a true escape, while additional bedrooms provide flexibility for guests or office space. New roof and numerous updates. Top-rated St. Johns County schools.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $52,500
$13,107/mo
Principal & interest$9,300
Property tax (est.)$1,735
Insurance (est.)$1,125
FHA MIP$663
HOA dues$165
CDD assessment$119
Cash to close: ~$52,500 down · MIP financed
VA
$0 down
$12,819/mo
Principal & interest$9,675
Property tax (est.)$1,735
Insurance (est.)$1,125
VA fee (financed)$0
HOA dues$165
CDD assessment$119
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $300,000
$10,721/mo
Principal & interest$7,577
Property tax (est.)$1,735
Insurance (est.)$1,125
PMI$0
HOA dues$165
CDD assessment$119
Cash to close: ~$300,000 down

Rate: 6.490% (Freddie Mac 30-yr avg, as of Jun 25, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.70% effective millage, plus actual HOA & CDD. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2007
SubdivisionPlantation Estates at Julington Creek Plantation
Parcel (RE#)249014 0590
Legal description54/74-87 PLANTATION ESTATES AT JULINGTON CREEK PLANTATION PARCEL 82 PHASE 2 LOT 59 OR3410/1684

Valuation · 2025

Value

Just / Market
$1,500,000
Assessed
$689,999
Taxable
$0
2025 Property Tax
$0
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$495 / Quarterly
CDD Assessment
$1,427 / Annually

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
2006-03-15

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
JEA
💧 Water
JEA
🚽 Sewer
JEA

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Nearby Private Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Licensed Real Estate Broker

List With Me

Selling in Plantation Estates at Julington Creek Plantation? List with the broker built for your community.

I'm Bryce Spraggins, a licensed Florida real estate broker — and The HOA Collective works Plantation Estates at Julington Creek Plantation every day. We're on a mission to make community management more affordable: every home we sell helps fund reduced-cost management software and services for HOAs through MyHOAClub.

Questions & Answers

Frequently Asked

What schools serve 440 E KESLEY LN?
The zoned public schools for 440 E KESLEY LN in Plantation Estates at Julington Creek Plantation are Julington Creek Elementary School (elementary), Fruit Cove Middle School (middle), Creekside High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 440 E KESLEY LN?
The most recent annual property tax for 440 E KESLEY LN is about $0 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 440 E KESLEY LN have a CDD fee?
Yes. 440 E KESLEY LN is in Plantation Estates at Julington Creek Plantation, a Community Development District (CDD) with an assessment of approximately $1,427 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 440 E KESLEY LN?
Homes in Plantation Estates at Julington Creek Plantation have an HOA fee of about $495 per quarter (based on recent MLS listings).
What would the monthly payment be on 440 E KESLEY LN?
At about a 6.49% 30-year rate, the estimated monthly payment for 440 E KESLEY LN is roughly $10,721 with a conventional loan (20% down), $13,107 with FHA (3.5% down), or $12,819 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Plantation Estates at Julington Creek Plantation HOA and CDD assessment. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the St. Johns County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.