This home is in Rivertown, St. Johns.

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Active Under Contract

Active Under Contract·160 days on market·Rivertown

32 Verdure Street

St. Johns, FL 32259

$470,000$207/sqftEst. $2,502/moMLS# 2128788

Beds

Baths

2,268

Sq Ft

2021

Built

Garage

Pool

About this home

Rivertown

Why wait to build when this home is move in ready! Huge price reduction - bring all offers! Discover this inviting 3-bedroom plus den, 2-bathroom home in the desirable Rivertown community, just minutes from the St. Johns River. Designed for comfort and entertaining, the home features a large great room flowing seamlessly into a gourmet kitchen with ample counter space and cabinetry. The primary suite includes an extended walk-in shower for a spa-like experience. A designated office/flex space offers a quiet area for work, study, or hobbies. The extended lanai overlooks a fully fenced yard, perfect for relaxing or entertaining. Enjoy a grassy area at the front of the home, ideal for pets and light outdoor recreation. Additional highlights include a rear-entry garage and thoughtfully designed living spaces throughout. Residents enjoy the community's amenities, including a clubhouse, multiple pools, the River Cafe, and more, all just minutes from shopping, dining, and recreation.

Cost to own

Mortgage calculator

Home Price

$470,000

Down Payment: 20%

$94,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,374

Principal & Interest: $2,374

Est. Taxes & Insurance: $594

Estimated Total Monthly

$2,968

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$2,502

Property taxesest. at asking price, St. Johns County$625

HOAbilled annually$4

Estimated total, before insurance$3,131/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	$443,443	$333,449	—
2024	$426,604	$323,344	—
2023	$431,604	$312,470	—
2022	$351,913	$301,913	—
2021	$75,000	$75,000	—
2020	$75,000	$68,750	—

2025 property taxes (current owner): $7,848/yr

Estimated taxes if purchased at asking price: ~$7,500/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,727 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History