This home is in Rivertown Cove, St. Johns.

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Pending

Pending·134 days on market·Rivertown Cove

139 Saddlebunch Court

St. Johns, FL 32259

$696,011$229/sqftEst. $3,538/moMLS# 2133853

Beds

Baths

3,036

Sq Ft

2026

Built

Garage

Pool

About this home

Rivertown Cove

Lot 65 - Welcome to the Rowan, thoughtfully designed with a charming Coastal Elevation that captures timeless curb appeal and relaxed Florida living. A welcoming foyer opens to a bright, spacious Great Room that flows seamlessly into the dining area and island kitchen--ideal for entertaining and everyday comfort. A 12' multi-sliding glass door extends living space to a generous covered lanai for effortless indoor-outdoor enjoyment. A private Study replaces the flex room, perfect for a home office or retreat. Upstairs, a large loft separates three secondary bedrooms from the serene owner's suite with a walk-in closet. A 2-car tandem garage adds extra storage. Located in RiverTown along the St. Johns River, residents enjoy resort-style amenities, parks, lakes, preserves, and miles of scenic trails.

Cost to own

Mortgage calculator

Home Price

$696,011

Down Payment: 20%

$139,202

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,538

Principal & Interest: $3,538

Est. Taxes & Insurance: $884

Estimated Total Monthly

$4,422

*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$3,538

Property taxesest. at asking price, St. Johns County$926

HOAbilled annually$4

Estimated total, before insurance$4,468/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.

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 2026)

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$696,011

Price / Sq Ft$229

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage3,036

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address139 Saddlebunch Court, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Cove

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007310850

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods, Other

Interior

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

AppliancesDishwasher, Disposal, Double Oven, Dryer, Freezer, Gas Range, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup