Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Johns — a gated community home in St. Johns County.

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Active

Active·19 days on market

375 Oakmoss Drive

St. Johns, FL 32259

$639,000$313/sqftEst. $3,285/moMLS# 2103185

Beds

Baths

2,043

Sq Ft

2025

Built

Garage

Pool

About this home

St. Johns

Beautifully designed luxury townhome boasts sweeping views of the majestic St. Johns River! Step inside to a dramatic two-story foyer that flows seamlessly into a light-filled great room and elegant dining area, perfect for entertaining or quiet evenings watching the sunset dance across the water. The main-level primary suite offers comfort and convenience, while upstairs, a spacious loft and two guest bedrooms provide privacy and room to breathe. Designer upgrades abound--oak floors, a two-tone chef's kitchen with KitchenAid appliances, and statement lighting that adds warmth and style. Step out your back door to enjoy golden-hour skies over the river, and explore the rare opportunity to secure a private boat slip just steps away. Call today to schedule your private tour!

Cost to own

Mortgage calculator

Home Price

$639,000

Down Payment: 20%

$127,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,285

Principal & Interest: $3,285

Property taxes (est.): $850

Insurance (est.): $426

Estimated Total Monthly

$4,561

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,285

Property taxesest. at asking price, St. Johns County$850

HOAbilled monthly$263

Estimated total, before insurance$4,398/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$100,000	$100,000	—

Estimated taxes if purchased at asking price: ~$10,200/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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: 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

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

Price & status history

Aug 31, 2026Price change$639,000−$9,000
Aug 25, 2026Price change$648,000−$1,000
Aug 17, 2026Price change$649,000−$10,000
Aug 10, 2025Listed$659,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$639,000

Price / Sq Ft$313

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,043

Year Built2025

TypeResidential

Sub-TypeTownhouse

StyleContemporary, Craftsman, Traditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address375 Oakmoss Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Shores

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007270610

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, 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, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Gas Range, Tankless Water Heater

HeatingCentral, Zoned

CoolingCentral Air, Zoned

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

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

SecurityFire Sprinkler System, Security Gate, Smoke Detector(s)