The story of this market
The typical home in St. Johns County, Florida sells for about $497,882, or $227 per square foot.
Prices are roughly flat from a year ago (-0.9%), a market in balance. Homes take about 50 days to sell. Over the long run, values in this county have grown 136% since 2000. Last year 27 of 46 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,694 a month.
HUD sets the fair market rent for a 2-bedroom at $1,694 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2005 (+22.5%). Worst: 2009 (-12.4%). Hover to read a year.
Monthly price momentum
Home values since 2015
+1%
FL · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,077
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 46 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
49
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $96,985,236.
Mortgage activity
Home lending in this county
82.7%
2019 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 21126 | 11352 | 79.5% | 4.1% | $355,000 |
| 2019 | 25618▲ | 14083▲ | 82.7%▲ | 4% | $355,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
St. Johns County, Florida
The St. Johns County housing market is currently experiencing a period of price stabilization with a slight year-over-year decline in median sale prices. Elevated inventory levels and a moderate supply of 3.5 months suggest a shift toward a more balanced market, though it remains seller-leaning. High interest rates and affordability constraints continue to influence buyer activity.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2024) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 5 cities · 9 ZIP reports
Median prices moved down 0.1% year over year.
Homes spend a median of 66 days on market with 0.1 months of supply — a fast-moving market.
1% of listings have cut prices · homes sell at 97.08% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.9% · poverty 6.2% — a stable, low-distress profile.
Deterministic aggregate of 9 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
St. Johns County, Florida — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 16
researched Sep 16
researched Sep 16
researched Sep 17
researched Sep 20
researched Sep 20
researched Sep 20
researched Sep 16
researched Sep 16
| 32080 | St. Augustine | $524,000 | $341 | -4.3% | 58 | 93% | 7% | 0.3 | 128 | $1,788 | researched Sep 16 |
| 32081 | Ponte Vedra Beach | $681,000 | $290 | -0.6% | 82 | 98% | 28% | 1 | 266 | $3,501 | researched Sep 16 |
| 32082 | Ponte Vedra Beach | $865,000 | $382 | -6% | 61 | 96% | 35% | 4.5 | 351 | $1,925 | researched Sep 16 |
| 32084 | St. Augustine | $387,500 | $351 | -20.9% | 99 | 94% | — | 3.5 | 248 | $1,567 | researched Sep 17 |
| 32086 | St. Augustine | $371,087 | $272 | -2% | 82 | 98% | 26% | 4.8 | 178 | $1,601 | researched Sep 20 |
| 32092 | Saint Johns | $404,000 | $215 | -3.4% | 85 | 97.5% | 15% | 4.2 | 188 | $2,424 | researched Sep 20 |
| 32095 | St. Augustine | $475,000 | $235 | +3.5% | 87 | 98% | 35% | 11.2 | 392 | $2,676 | researched Sep 20 |
| 32145 | Hastings | $279,715 | $183 | -1.1% | 54 | 97.8% | 21.8% | 2.8 | 17 | $1,113 | researched Sep 16 |
| 32259 | Saint Johns | $599,000 | $225 | 0% | 66 | 97.1% | — | — | 565 | $2,257 | researched Sep 16 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
St. Johns County consistently reports lower crime rates compared to the Florida state average and neighboring urban centers, maintaining a reputation as one of the safer counties in the region.
The St. Johns County School District is consistently ranked among the top-performing districts in Florida, characterized by high graduation rates and strong academic achievement across its schools.
The county faces significant coastal flood and hurricane wind risks, leading to a challenging property insurance market with rising premiums and limited carrier availability in certain zones.
The county experiences robust economic momentum driven by rapid residential development, a strong tourism sector, and an expanding professional services base, particularly in the northern corridor.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Florida) — Statewide Uniform Property Tax Lien Priority & Tax Deed Sale Enforcement: Unpaid real ad valorem and non-ad valorem taxes become a first-priority sovereign lien on January 1 of the tax year, superior to all mortgages and private liens. If unpaid by April 1 following the tax year, tax certificates are sold via competitive bidding under § 197.432. State (Florida) — Community Development District (CDD) Special Assessment & Financing Lien Mandate: Binds the parcel to non-ad valorem assessments levied directly by the CDD board to fund infrastructure bonds (capital assessments) and operations/maintenance (O&M assessments). State (Florida) — Florida Constitutional Homestead Exemption & Save Our Homes (SOH) Assessment Cap: Reduces taxable value by up to $50,000: base $25,000 exemption applies to all taxing authorities (including school districts); second $25,000 exemption applies to assessed value between $50,000 and $75,000 for non-school millage. State (Florida) — Florida Ad Valorem Real Property Assessment & Tax Mechanics: Parcels are assessed annually at 100% just value (market value) as of January 1 by county property appraisers. Tax formula: Tax Bill = (Taxable Value / 1,000) * Total Levied Millage Rate. Assessed Value = Just Value - Assessment Limitations.
The economy is anchored by tourism, education, and a growing professional services sector, with significant employment contributions from the St. Johns County School District and local government.
The county is served by major corridors including I-95 and US-1, facilitating commutes to the Jacksonville metropolitan area, though local transit options remain limited.
The St. Johns County Property Appraiser conducts annual assessments based on market value, adhering to Florida's Save Our Homes cap for primary residences.
The county includes various Community Development Districts (CDDs) that fund infrastructure and amenities in master-planned communities, alongside specialized water and fire districts.
The property insurance market is characterized by high premiums and restricted capacity due to the county's exposure to coastal storm events.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
The nation's oldest city features colonial architecture, museums, and significant cultural heritage sites that anchor the local tourism economy.
Offers extensive trails, kayaking, and protected coastal habitats, serving as a major recreational asset for residents.
A world-renowned coastal area known for luxury resorts, high-end golf courses, and pristine Atlantic shoreline.
Retrieved from data.census.gov
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
applies when — Parcel is situated partially or wholly seaward of the Florida Coastal Construction Control Line established under § 161.053
Imposes strict state-level environmental and engineering permitting controls administered by the Florida Department of Environmental Protection (DEP) prohibiting any excavation, construction, or alteration without a CCCL permit, overriding general local zoning. Any contract for sale must contain a mandatory statutory disclosure statement informing the buyer that the parcel is subject to CCCL restrictions and potential erosion risks.
Fla. Stat. §§ 161.053, 161.57.
Prohibits local authorities from issuing development orders, rezonings, or building permits for a parcel unless public infrastructure (roads, potable water, wastewater, stormwater management) meets statutory 'concurrency' capacity standards required by the state-monitored Local Government Comprehensive Planning and Land Development Regulation Act.
Fla. Stat. ch. 163, Part II (Community Planning Act).
Non-judicial/power-of-sale foreclosure is prohibited; all mortgage encumbrances must be foreclosed through an equitable action in the circuit court. Homeowners hold an equity of redemption allowing satisfaction of the debt and dismissal until the clerk files the certificate of sale under § 45.031. Following sale, a statutory 10-day objection window applies before the clerk issues the final certificate of title conveying ownership.
Fla. Stat. ch. 702 (Mortgage Foreclosure) & § 45.031 (Judicial Sales Procedure).
Requires statutory warning language to be included in at least one document or form prior to or at the execution of every contract for sale or rental agreement. Alerts purchasers to the risks of radon gas, state testing benchmarks, and public health advisories.
Fla. Stat. § 404.056(5).
Unpaid real ad valorem and non-ad valorem taxes become a first-priority sovereign lien on January 1 of the tax year, superior to all mortgages and private liens. If unpaid by April 1 following the tax year, tax certificates are sold via competitive bidding under § 197.432. If unredeemed after two years, the certificate holder may initiate a tax deed application leading to public auction and extinguishing junior mortgages.
Fla. Stat. ch. 197 (Tax Collections, Sales, and Liens).
applies when — Parcel is sited within an established Chapter 190 Community Development District
Binds the parcel to non-ad valorem assessments levied directly by the CDD board to fund infrastructure bonds (capital assessments) and operations/maintenance (O&M assessments). These assessments are co-equal in lien priority with municipal and county ad valorem real property taxes, collected via the annual uniform tax bill under § 197.3632, and subject the parcel to immediate tax certificate sale or tax deed loss if unpaid. Contracts must provide an explicit bolded statutory CDD disclosure.
Fla. Stat. § 190.021, § 190.048, and ch. 197.
Requires residential real property sellers to complete and deliver a statutory flood disclosure form prior to or at the time of executing the sales contract. Must disclose whether the seller has ever filed an insurance claim relating to flood damage with any carrier, including the NFIP, and whether the seller has ever received federal disaster assistance for flood damage on the parcel.
Fla. Stat. § 689.261 (enacted under HB 1049, eff. October 1, 2024).
Preempts local building technical codes and mandates strict parcel-level adherence to high-velocity hurricane, impact-resistant glazing, wind load engineering, and flood elevation construction criteria enforced by local building officials through mandatory permitting, inspections, and certificates of occupancy.
Fla. Stat. ch. 553, Part IV (Florida Building Codes Act).
applies when — Residential parcel located within a master-planned or subdivided community governed by a recorded declaration under Chapter 720
Subject to restrictive covenants, architectural controls, and assessment obligations imposed by the association. Unpaid assessments form a statutory lien against the parcel with authority to foreclose judicially. Prospective purchasers must be served a mandatory statutory disclosure summary (§ 720.401) prior to executing any purchase contract; failure to provide it provides the buyer an absolute voidability window of up to 3 days from receipt or until closing.
Fla. Stat. ch. 720 (Homeowners' Associations), specifically §§ 720.3085, 720.401.
applies when — Owner maintains legal or beneficial title and establishes the parcel as their permanent primary residence as of January 1 and files by March 1
Reduces taxable value by up to $50,000: base $25,000 exemption applies to all taxing authorities (including school districts); second $25,000 exemption applies to assessed value between $50,000 and $75,000 for non-school millage. Also confers the 'Save Our Homes' (SOH) cap, restricting annual increases in assessed value to the lesser of 3% or the Consumer Price Index (CPI). Upon transfer of ownership, SOH and exemptions reset, reassessing the parcel to full just value on January 1 of the following year.
Fla. Const. art. VII, § 4(d) & § 6; Fla. Stat. §§ 193.155, 196.031.
Parcels are assessed annually at 100% just value (market value) as of January 1 by county property appraisers. Tax formula: Tax Bill = (Taxable Value / 1,000) * Total Levied Millage Rate. Assessed Value = Just Value - Assessment Limitations. Taxable Value = Assessed Value - Applicable Exemptions. Millage rates (1 mill = $1 per $1,000 taxable value) are set by overlapping local taxing jurisdictions (county, municipal, school district, water management). Property taxes are billed in October/November and must be paid by March 31 of the following year.
Fla. Const. art. VII; Fla. Stat. ch. 192, 193, 200.
Imposes an affirmative common-law duty on sellers of residential real property to disclose all facts known to the seller materially affecting the value or desirability of the property that are not readily observable and are not known to the buyer. 'As-is' contractual clauses do not relieve the seller of liability for fraudulent concealment or failure to disclose known latent material defects.
Johnson v. Davis, 480 So. 2d 625 (Fla. 1985) and progeny.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.