420 TWIN OAKS LANE, ST JOHNS, FL, 32259
Active21 days on marketListed Aug 30, 2026MLS #OM731366
About this home
420 TWIN OAKS LANE
Virtually Staged. YOUR POOL DAYS START HERE! Fully remodeled 4BR/3BA JCP pool home with gleaming high-gloss porcelain tile, a showstopping designer kitchen, spa-like primary bath and a smart 3-way split floor plan. Tucked into sought-after Julington Creek Plantation, this single-story home delivers privacy, style and move-in-ready comfort. High-gloss porcelain tile flows throughout, creating a bright, clean and contemporary feel from the moment you step inside. The kitchen truly steals the show with stylish two-tone cabinetry, quartz countertops, marble-look backsplash, gold hardware accents, a custom-built refrigerator wall and designer wood-slat island paneling. Rare for the area, the range was converted to gas—an upgrade not commonly found in JCP homes. The primary bath feels like a private spa. A freestanding soaking tub sits against floor-to-ceiling designer tile, while a glass-block window brings in natural light while preserving privacy. The oversized walk-in shower features a rain shower head, multi-jet body spray panel and mosaic tile accent niche. All three bathrooms have been beautifully remodeled with contemporary finishes and fixtures. Significant improvements include a 2021 roof, newer water heater, water softener, reverse-osmosis drinking water system and fresh exterior paint completed in 2025. Step outside to your private screened pool and covered lanai—perfect for entertaining or enjoying the Florida lifestyle. The pool was refinished in 2023 and features a newer pool pump. Additional improvements include newer sod, landscaping and extensive tree removal for a clean, open yard. A side-entry 2-car garage adds curb appeal, while Julington Creek Plantation's exceptional amenities include resort-style pools, a lap pool, tennis and sports facilities, playgrounds and more. Beautifully remodeled, meticulously maintained and truly move-in ready—this is the JCP pool home you've been waiting for.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,094
Sqft
0.23 ac
Lot size
2
Garage
1999
Year built
One
Levels
$310
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.
$4,604 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,604/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs St Johns actives
$310 vs $238
Days on market
21 vs 10 typical
Where $310/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 Julington Creek / Fruit Cove
Get to know St Johns. See the full St Johns guide →
Julington Creek / Fruit Cove — neighborhood snapshot
Population
42,275
Median age
43
Median income
$136,830
Median home value
$462,327
Avg household
3
Households w/ children
6,049
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 8% above the ST JOHNS 32259 median. See the full St Johns market guide →
Paper trail
This home's history
Reality check
What actually sold near 420 TWIN OAKS LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$575,000
845 BUCKEYE LANE W
3 bd · 2 ba · 2,094 sqft · $275/sqft · 0 DOM
Sold · Dec ’25$427,000
984 BUTTERCUP DRIVE
4 bd · 2 ba · 1,772 sqft · $241/sqft · 85 DOM
Sold · Mar ’26$364,000
721 TEE TIME LANE
3 bd · 2 ba · 1,411 sqft · $258/sqft · 5 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 420 TWIN OAKS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 TWIN OAKS LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
420 TWIN OAKS LANE FAQs
What would the monthly payment be for 420 TWIN OAKS LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,604/mo — principal and interest, the actual property-tax bill, the $40/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 420 TWIN OAKS LANE?+
The association fee works out to $40 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 420 TWIN OAKS LANE?+
The most recent tax bill on record (2025) was $7,829. 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 420 TWIN OAKS LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $649,999, this home is listed about 22% above the St Johns median of $532,500. The market section on this page shows how the area is trending.
Which schools are assigned to 420 TWIN OAKS LANE?+
Switzerland Point Middle School (middle), 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
01Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
02Time on market is leverage
21 days on market against a St Johns median of 10 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Switzerland Point Middle School, Bartram Trail High School, First Coast Technical College, Mky- Head Start /Dpp Pk School — Switzerland Point Middle School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of DHOCHIN REALTY SERVICES LLC · Ananthi Selvaraj. MLS #OM731366.
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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