This home is in Riverdale, St. Augustine — a home near Pedro Menendez High School.
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Sold·Closed Dec 30, 2025·179 days on market·Recent sales in Riverdale·Riverdale
7720 Riverdale Road
St. Augustine, FL 32092
4 more homes for sale in Riverdale →Search Riverdale on the map
About this home
Riverdale
Riverdale Retreat — Freedom, Function, and Florida Living at Its Best No HOA • No CDD • Low Insurance • Ultra-Low Utilities Welcome to Riverdale Retreat, a rare find for those craving space, serenity, and self-sufficiency. This custom-built ranch on nearly an acre delivers privacy, quality construction, and modern upgrades—without the rules or fees of an HOA. Designed by an architect and built with integrity, the home features 2×6 insulated walls, Andersen windows, skylights, and handcrafted Swedish cabinetry—a combination that keeps your energy bills low and your comfort high. Every detail speaks to efficiency and longevity. Recent updates (2024-2025) make this move-in ready: New roof New induction cooktop New wall-mounted microwave & oven combo Fresh paint in primary and guest bedrooms New septic drain field
Next steps in Riverdale
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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • 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 (that applies to the reference bill above too).
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 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,565 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 homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Nease Beachfront Park37 min drive · 14 parking spaces
Closest park or preserve
Palatka-to-St. Augustine State Trail19 min drive · 18.6 mi of trails
Closest public boat ramp
Riverdale Park Public Boat Rampabout 0.3 mi · St. Johns River
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 7 mi · Saint Johns River
Closest youth league fields
Pacetti Bay School Fields20 min drive · Baseball
Closest grocery store
Publixabout 10 mi · 84 Tuscan Way, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:32 AM, sunset 6:50 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $432,346 | $62,804 | — |
| 2025 | $183,351 | $183,351 | — |
| 2024 | $298,804 | $58,917 | — |
| 2024 | $177,468 | $177,468 | — |
| 2023 | $301,846 | $54,288 | — |
| 2023 | $198,309 | $198,309 | — |
| 2022 | $230,557 | $49,794 | — |
| 2022 | $90,110 | $90,110 | — |
| 2021 | $185,269 | $45,431 | — |
| 2021 | $83,915 | $83,915 | ▲ $1,931 |
| 2020 | $145,018 | $43,423 | — |
| 2020 | $79,446 | $79,446 | — |
2024 property taxes (current owner): $1,351/yr
Estimated taxes if purchased at asking price: ~$7,700/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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $301/sq ft; this home is listed at $242/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1620 County Road 13 S, Elkton, FL 32033Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $395,000 | $212 | 3/2 | 1,860 | 68 | 1.4 |
| 1720 County Road 13 S, Elkton, FL 32033Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $675,000 | $301 | 4/2 | 2,246 | 61 | 1.5 |
| 156 County Road 13, St. Augustine, FL 32092Listed by REAL BROKER LLC | Oct 2025 | $500,000 | $255 | 2/3 | 1,960 | 80 | 1.5 |
| 6980 Woodward Road, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLC | May 2025 | $1,067,500 | $416 | 4/2.5 | 2,566 | 31 | 1.7 |
| 13545 County Rd 13 N, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLC | May 2025 | $625,000 | $400 | 3/2.5 | 1,564 | 5 | 2.5 |
| 472 Cedar Creek Road, Palatka, FL 32177Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Apr 2026 | $400,000 | $267 | 2/2 | 1,500 | 91 | 2.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COMPASS FLORIDA LLC
Sold by: REAL BROKER LLC (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Riverdale
Riverdale is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32092.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Dec 30, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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