If you're 55+ and considering Stillwater in St. Johns, Florida, the $400,000–$600,000 range is an interesting part of the market in 2026.

Stillwater is a gated 55+ active-adult community built around an 18-hole golf course, with amenities including a clubhouse, pool, fitness center, tennis, pickleball, and bocce.

But what can you actually expect to get for your money?

Around $400K: Entry-Level Stillwater

At the lower end of the range, buyers can find smaller homes and villas, particularly through the resale market.

Recent listings have included homes around $415,000, such as a 3-bedroom, 3-bath, 1,950-square-foot home built in 2022.

At this price point, you may find:

  • 2–3 bedrooms
  • Approximately 1,500–2,000+ square feet
  • Two-car garages
  • Newer construction or resale homes
  • Low-maintenance living
  • Access to Stillwater's community amenities

Best for: Buyers who want the Stillwater lifestyle without stretching into the upper end of the market.

$500K–$600K: More Space & More Choices

Moving into the $500K–$600K range generally opens up more options, including larger single-family homes and upgraded resale properties.

Current Stillwater listings include examples around $500K–$565K, with homes offering roughly 1,700–2,700+ square feet, depending on the property and floor plan.

At this level, you may be looking at:

  • 3–4 bedrooms
  • Larger floor plans
  • Approximately 1,700–2,700+ square feet
  • Upgraded interiors
  • Larger lots or desirable views
  • Golf-course or water-oriented locations, depending on availability

Best for: Buyers who want more room, upgraded features, or a more premium location within the community.

What Makes Stillwater Different?

The home is only part of the equation.

Stillwater's amenities include an 18-hole golf course and Toptracer practice facility, along with a clubhouse, swimming pool, fitness center, tennis, pickleball, bocce, and other recreational facilities.

For buyers who plan to use those amenities regularly, the community's HOA structure is an important part of the financial picture.

Don't compare homes based on purchase price alone.

Before buying, look at:

Mortgage + property taxes + HOA + CDD + homeowners insurance

HOA amounts can vary by home type and current assessments, so verify the exact fee for the property you're considering. Current listings show significant HOA charges on some Stillwater properties.

Is Stillwater a Good Value in 2026?

For the right buyer, yes.

If you want a 55+ community where golf, fitness, recreation, and social activities are built into everyday life, Stillwater offers a lot without requiring you to live on Florida's coast.

The biggest question isn't simply:

"How much house can I get for $500,000?"

It's:

"How much lifestyle am I getting for my total monthly cost?"

That's especially important when comparing Stillwater with other St. Johns County 55+ communities such as Del Webb Saint Johns, Sweetwater at Nocatee, WaterSong at RiverTown, and Regency at Evermore.

The Bottom Line

With a budget between $400K and $600K, Stillwater can offer an appealing combination of newer homes, low-maintenance living, golf, resort-style amenities, and a dedicated 55+ community environment.

At around $400K, focus on finding the right floor plan and resale opportunity. Around $500K–$600K, you can generally expand your search to larger and more upgraded homes.

The key is comparing the total cost—not just the list price.

Thinking about Stillwater or another 55+ community in St. Johns County?

Call or text Gail DeMarco at 904-640-8000 to compare your options and find the community that best fits your budget and lifestyle.

Prices, inventory, HOA/CDD fees, taxes, insurance, and available floor plans can change. Verify current property-specific information before making a purchase.