This home is in St. Johns.

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Pending

Pending·333 days on market

155 Harrow Cove

St. Johns, FL 32259

$265,990$207/sqftEst. $1,356/moMLS# 2105451

Beds

Baths

1,288

Sq Ft

2024

Built

—

Garage

Pool

About this home

St. Johns

LOT 83 - The Carver's two-story townhome offers a one-of-a-kind, contemporary design in a resort-style community unlike any other. Ideal for today's busy lifestyles—whether you're a first-time buyer, a growing family, or an individual homeowner—it features an open-concept layout where living and dining spaces blend seamlessly, perfect for entertaining or relaxing. The island kitchen with breakfast bar overlooks this airy space, and the nearby powder and laundry rooms add everyday convenience. Upstairs, the owner's suite is set apart from two versatile bedrooms—ideal for a nursery, home office, wellness space, or welcoming back a college student. No other home matches this modern layout in such a vibrant setting. RIVERTOWN, a master-planned community along the St. Johns River, offers unmatched amenities focused on fitness, fun, and connection. Residents enjoy parks with scenic views, miles of nature trails, and year-round sunshine in beautiful northeast Florida.

Cost to own

Mortgage calculator

Home Price

$265,990

Down Payment: 20%

$53,198

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,356

Principal & Interest: $1,356

Property taxes (est.): $354

Insurance (est.): $177

Estimated Total Monthly

$1,887

*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$1,356

Property taxesest. at asking price, St. Johns County$354

HOAbilled quarterly$171

Estimated total, before insurance$1,881/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	$60,000	$60,000	—
2024	$60,000	$60,000	—

Estimated taxes if purchased at asking price: ~$4,200/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.

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 2024)

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.