104 BELMONT DRIVE, ST JOHNS, FL, 32259
Active49 days on marketListed Jun 5, 2026MLS #GC540962
About this home
104 BELMONT DRIVE
Situated within the prestigious equestrian community of Whitelock Farms, this elegant all-brick estate spans 2.53 scenic acres, offering both privacy and an exceptional outdoor lifestyle. Surrounded by mature trees this park-like setting is truly picturesque. Designed with entertaining in mind, the property features a heated in-ground pool with spa, a fully equipped summer kitchen, and spacious outdoor living areas--all creating a serene, resort-style retreat. Inside, the spacious family room is centered around a gas fireplace, and serves as the heart of the home. Surrounding the main living area are a formal dining room, dedicated office space, and a chef's kitchen with a center island that flows into a bright breakfast area. All are enhanced by classic finishes such as tile and hardwood flooring, granite countertops, and custom cabinetry. A unique bonus space off the laundry room offers flexibility for a gym, craft room, or secondary office. The primary suite provides ... a private escape, featuring double-door entry, a garden tub, walk in shower, custom built-ins, and dual closets. Two additional bedrooms share a convenient jack-and-jill bathroom, while the fourth bedroom offers flexibility as a guest room. A third full bath with direct access to the pool area, adds convenience and functionality. Additional highlights include an attached three-car garage, covered RV parking with 50 amp. electrical hookup for an RV or boat, and a detached 2-car garage with unfinished space above--perfect for future guest accommodations, an office, or customized use. Surrounded by estate homes and preserved acreage, Whitelock Farms offers premier equestrian amenities such as riding trails, jumping and dressage arenas, and community sports fields. This is a rare opportunity to enjoy refined country living with privacy and luxury, all just minutes from nearby conveniences. Located within the highly regarded St. Johns County A+ rated school district, this property represents an outstanding opportunity in one of the area's most desirable communities.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,147
Sqft
2.53 ac
Lot size
5
Garage
2003
Year built
One
Levels
$443
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.
$9,382 /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
$9,382/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
$443 vs $242
Days on market
49 vs 14 typical
Where $443/sqft sits among the 11 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
$364K → $758K
St Johns median sold, yr/yr
98.3%
Sale-to-list ratio (12 mo)
4 of 11
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 133% 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 104 BELMONT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$543,000
36 TOWER COURT
4 bd · 3 ba · 2,500 sqft · $217/sqft · 0 DOM
Sold · Mar ’26$520,000
58 BUFFALO COURT
4 bd · 3 ba · 2,500 sqft · $208/sqft · 4 DOM
Sold · Apr ’26$508,000
149 WINDSWEPT WAY
4 bd · 3.5 ba · 2,342 sqft · $217/sqft · 76 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 104 BELMONT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 BELMONT DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
104 BELMONT DRIVE FAQs
What would the monthly payment be for 104 BELMONT DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,382/mo — principal and interest, the actual property-tax bill, the $167/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 104 BELMONT DRIVE?+
The association fee works out to $167 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 104 BELMONT DRIVE?+
The most recent tax bill on record (2025) was $12,060. 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 104 BELMONT DRIVE?+
The listing reports pets: Yes. 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 $1,395,000, this home is listed about 156% above the St Johns median of $544,900. The market section on this page shows how the area is trending.
Which schools are assigned to 104 BELMONT 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
Four things that matter here
01Positioned at the premium end
$1,395,000 runs 133% above the ST JOHNS 32259 median — but at 3,147 sqft it's also 55% larger than the typical St Johns listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
49 days on market against a St Johns median of 14 — sellers in this position are usually ready to negotiate.
04Strong 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 CB ISAAC REALTY · Ronald Blake. MLS #GC540962.
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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