This home is in Rivertown Shores, St. Johns.

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Pending

Pending·345 days on market·Rivertown Shores

391 Oakmoss Drive

St. Johns, FL 32259

$689,000$313/sqftEst. $3,502/moMLS# 2103146

Beds

Baths

2,200

Sq Ft

2025

Built

Garage

Pool

About this home

Rivertown Shores

Ready Now | Riverfront Luxury by Toll Brothers Experience unmatched riverfront living in this rare Ibis Townhome by Toll Brothers, perfectly positioned within the exclusive Shores at RiverTown. Now available, this exceptional residence offers breathtaking panoramic views of the St. Johns River and an open, light-filled design curated for refined everyday living and effortless entertaining. The elegant great room flows seamlessly into a chef-inspired kitchen and sophisticated dining area, all opening to a private lanai--ideal for sunset gatherings overlooking the water. Upstairs, the primary suite is a true sanctuary, featuring a private balcony with sweeping river views, a spa-like bath, and an oversized walk-in closet designed for elevated living. Two guest bedrooms and a versatile loft provide flexible space for guests, work-from-home needs, or relaxation. Enjoy access to world-class RiverTown amenities and a rare opportunity to secure one of the final private boat slips.

Cost to own

Mortgage calculator

Home Price

$689,000

Down Payment: 20%

$137,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,502

Principal & Interest: $3,502

Est. Taxes & Insurance: $876

Estimated Total Monthly

$4,378

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$3,502

Property taxesest. at asking price, St. Johns County$917

HOAbilled monthly$315

Estimated total, before insurance$4,734/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, 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	$100,000	$100,000	—

Estimated taxes if purchased at asking price: ~$11,000/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.

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 2025)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.

Features

Price$689,000

Price / Sq Ft$313

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,200

Year Built2025

TypeResidential

Sub-TypeTownhouse

StyleContemporary, Craftsman, Traditional

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address391 Oakmoss Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Shores

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007270640

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Marina, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Protected Preserve, River, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Instant Hot Water, Microwave, Tankless Water Heater

HeatingElectric, Zoned

CoolingCentral Air, Electric, Split System, Zoned

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Sink, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Fire Sprinkler System, Firewall(s), Security Gate, Smoke Detector(s)