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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Johns.

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Sold

Sold·Closed Jul 31, 2026·146 days on market·Recent sales in RiverTown

32 Verdure Street

St. Johns, FL 32259

$450,000sold priceListed at $470,000 · 95.7% of asking$198/sqftMLS# 2128788
3
Beds
2
Baths
2,268
Sq Ft
2021
Built
2
Garage
No
Pool
FEMA Zone XHOA $4/mo6,970 sqft lotSingle Family Residence1 story

About this home

St. Johns

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,493
Property taxesest. at asking price, St. Johns County$599
HOAbilled annually$4
Estimated total, before insurance$3,096/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,848/yr · $654/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$450,000
$90,000
Loan Term
Monthly Payment
$2,493
Principal & Interest: $2,493
Property taxes (est.): $599
Insurance (est.): $300
Estimated Total Monthly
$3,391
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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: ~$7,200/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.

History

Price & status history

  • Jul 31, 2026Closed$470,000
  • Feb 5, 2026Listed$470,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $267/sq ft; this home is listed at $207/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
231 Footbridge Road, St. Johns, FL 32259Listed by REAL BROKER LLCSep 2026$550,000$2393/2.52,30550.1
246 Twin Flower Place, Jacksonville, FL 32259Listed by REAL BROKER LLCSep 2026$554,500$2024/3.52,7443470.2
229 Chandler Drive, St. Johns, FL 32259Listed by ROUND TABLE REALTYAug 2026$525,000$2074/3.52,5331020.2
254 Crafton Circle, St. Johns, FL 32259Listed by NON MLS (realMLS)Oct 2026$524,756$2762/21,90000.3
148 Kellet Way, St. Johns, FL 32259Listed by EXP REALTY LLCSep 2026$565,000$2922/21,93260.3
305 Crafton Circle, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESSep 2026$449,000$2672/21,682160.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$470,000
Price / Sq Ft$207
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,268
Acres0.16 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address32 Verdure Street, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionRivertown
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size6,969.6 sq ft
Parcel Number0007040770

Amenities

AmenitiesPool, Dog Park, Fitness Center, Tennis Court(s)
Community FeaturesRestaurant
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage

Interior

AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne

Exterior

FencingFenced
RoofShingle

Additional Information

Date ListedFebruary 5, 2026
Days on Market146
HOA Fees$53 / Annually
HOA FrequencyAnnually
Tax Amount$7,848.41
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REDFIN CORPORATION

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 31, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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