This home is in Rivertown, St. Johns.
Pending·443 days on market·Rivertown
158 Whistling Straits Drive
St. Johns, FL 32259
About this home
Rivertown
LOT 29 - This River Low Country Villa is a former model home in RiverTown which is filled with beautiful upgrades and incredible views. This two bedroom 2 bath home with flex room is a must see! The kitchens island and breakfast bar overlook the dining room and great room, all awash in natural light. Sliding-glass doors opening to the covered lanai add even more airiness. RIVERTOWN is a master-planned community nestled along the pristine shores of the St Johns River. Each amenity is geared toward staying fit, meeting new friends, trying new activities, and having fun in northeast FL's sunshine. RiverTown is designed to connect its residents to the beautiful natural surroundings with neighborhood parks overlooking picturesque lakes and preserve, w/miles of trails.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $337,380 | $300,103 | — |
| 2024 | $342,620 | $272,821 | — |
| 2023 | $362,620 | $248,019 | — |
| 2022 | $314,666 | $225,472 | — |
| 2021 | $230,082 | $204,975 | — |
| 2020 | $186,341 | $186,341 | — |
2024 property taxes (current owner): $6,053/yr
Estimated taxes if purchased at asking price: ~$6,800/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,722 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Rivertown
Rivertown is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Rivertown homes for sale →Listing Courtesy of: MATTAMY REAL ESTATE SERVICES
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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