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Active Under Contract

Active Under Contract·191 days on market

330 Hallowes Cove

St. Johns, FL 32259

$1,250,000Est. $6,373/moMLS# 2094518

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Garage

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About this home

St. Johns

Exceptional Riverfront Homesite in Prestigious Gated Enclave - Last of Its Kind! Discover one of Northeast Florida's most coveted waterfront opportunities—an extraordinary direct riverfront homesite boasting approximately 126 feet on the majestic St. Johns River. Set among a collection of multi-million dollar custom estates, this is the final remaining riverfront lot in this exclusive, gated community served by top-rated St. Johns County schools and free from CDD fees. Positioned to take full advantage of panoramic water views and year-round sunsets, this homesite includes a dock permitand elegant architectural plans from a renowned custom builder. The Southern Living-inspired design features over 7,200 square feet under roof across two levels of timeless, Southern coastal luxury—ready for permitting or personal customization. Current waterfront residences in this community range from the low $2Ms to $4M+, making this an unparalleled canvas for your forever home.

Cost to own

Mortgage calculator

Home Price

$1,250,000

Down Payment: 20%

$250,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$6,373

Principal & Interest: $6,373

Property taxes (est.): $1,663

Insurance (est.): $833

Estimated Total Monthly

$8,870

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$6,373

Property taxesest. at asking price, St. Johns County$1,663

HOAbilled annually$116

Estimated total, before insurance$8,153/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,525/yr · $627/mo

• 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).

Cost to own

Taxes & assessment

Last sold: $880,000 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$700,000	$700,000	—
2024	$600,000	$600,000	—
2023	$592,000	$592,000	—
2022	$672,000	$672,000	—
2021	$500,000	$500,000	—
2020	$500,000	$500,000	—

2024 property taxes (current owner): $7,525/yr

Estimated taxes if purchased at asking price: ~$20,000/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.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,740 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 home

As of July 2026, this 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.

History