435 WALNUT DRIVE, ST JOHNS, FL, 32259
Active38 days on marketListed Aug 13, 2026MLS #FC320660
About this home
435 WALNUT DRIVE
Meticulously maintained 2-story home with exceptional upgrades throughout* *Two primary suites, each with its own full bathroom* *No carpet -- tile flooring downstairs and wood flooring upstairs* *2020 HVAC and 2023 water heater* *New exterior paint and stucco completed in 2026* *Fresh interior paint on walls, trim, and ceilings* *Spacious kitchen with granite countertops, stainless steel appliances, espresso cabinetry with crown molding, and upgraded pull-out drawers* *Oversized custom shelving in the pantry* *Large laundry room with washer and dryer included* *Huge 2-car garage with water loop for a water softener* *Screened-in porch with tile flooring and brand-new screening* *Community pool just a short walk behind the home* *Community amenities include tennis, pickleball, and basketball courts* *High-speed connectivity with Cat 6 Ethernet wired to every room and fiber optic service* *Electronic blinds in the living room* *Crown molding throughout the downstairs* Welcome to this beautifully maintained and thoughtfully upgraded home at 435 Walnut, offering an exceptional combination of comfort, functionality, and modern convenience. The flexible layout features two primary suites, each with its own private full bathroom, making this home ideal for guests, multigenerational living, or simply enjoying additional privacy. A convenient half bath is also located downstairs. The spacious kitchen is designed for both everyday living and entertaining, featuring stainless steel appliances, granite countertops, espresso cabinetry with crown molding, upgraded pull-out drawers, and oversized custom pantry shelving. The large laundry room includes the washer and dryer, while the oversized two-car garage provides plenty of storage and includes a water loop ready for a water softener. The home has no carpet, with tile flooring throughout the first floor and wood flooring upstairs. The large primary bedroom features a walk-in closet and an ensuite bathroom with a double vanity, granite countertops, and a shower/tub combination. The second full bathroom also offers a tub/shower combination and single vanity. Enjoy additional living space on the screened-in porch with tile flooring and brand-new screening, perfect for relaxing outdoors. The community pool is conveniently located just behind the home and is only a short walk away, along with tennis, pickleball, and basketball courts. Recent improvements include a 2023 water heater, 2020 HVAC system, fresh interior paint, and new stucco and exterior paint completed in 2026. With Cat 6 Ethernet wired to every room and fiber optic service directly from the street, the home is also exceptionally well-equipped for today's connected lifestyle. Meticulously maintained, beautifully upgraded, and move-in ready -- this is a home that truly needs to be seen to appreciate all it offers.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,709
Sqft
0.05 ac
Lot size
2
Garage
2012
Year built
Two
Levels
$167
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,246 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,246/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−14.4%
$/sqft vs St Johns actives
$167 vs $254
Days on market
38 vs 10 typical
Where $167/sqft sits among the 16 St Johns actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Johns
Get to know St Johns. See the full St Johns guide →
ST JOHNS 32259 — neighborhood snapshot
Population
69,866
Median age
39.1
Median income
$144,168
Median home value
$480,800
Avg household
3.17
Households w/ children
10,887
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Johns market
$550K → $530K
St Johns median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
5 of 16
St Johns actives have cut their price
Median sold price, St Johns, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% below the ST JOHNS 32259 median. See the full St Johns market guide →
Paper trail
This home's history
Reality check
What actually sold near 435 WALNUT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$252,000
810 BLACK CHERRY DRIVE S
3 bd · 2.5 ba · 1,607 sqft · $157/sqft · 125 DOM
Sold · Jul ’26$305,000
5888 BARTRAM VILLAGE DRIVE
3 bd · 2.5 ba · 1,846 sqft · $165/sqft · 29 DOM
Sold · Aug ’26$305,000
14881 BARTRAM VILLAGE LANE
3 bd · 2.5 ba · 1,871 sqft · $163/sqft · 77 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 435 WALNUT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 435 WALNUT DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
435 WALNUT DRIVE FAQs
What would the monthly payment be for 435 WALNUT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,246/mo — principal and interest, the actual property-tax bill, the $100/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 435 WALNUT DRIVE?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 435 WALNUT DRIVE?+
The most recent tax bill on record (2025) was $2,190. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 435 WALNUT DRIVE?+
The listing reports pets: Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Johns?+
At $285,000, this home is listed about 46% below the St Johns median of $532,500. The market section on this page shows how the area is trending.
Which schools are assigned to 435 WALNUT DRIVE?+
Bartram Trail High School (high), First Coast Technical College (high), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST JOHNS 32259 market on paper
$285,000 is 52% below the ST JOHNS 32259 median of $599,900, and at $167/sqft it sits under the St Johns average of $246.
02Time on market is leverage
38 days on market against a St Johns median of 10 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Bartram Trail High School, First Coast Technical College, Mky- Head Start /Dpp Pk School — Bartram Trail High School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of KELLER WILLIAMS ST. JOHNS · Christina Welch. MLS #FC320660.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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