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 Highpointe At Rivertown, St. Johns — a home near Bartram Trail High School.

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Active

Active·140 days on market·Highpointe At Rivertown

460 Shinnecock Drive

St. Johns, FL 32259

$950,000$292/sqftEst. $4,844/moMLS# 2134503

Beds

Baths

3,258

Sq Ft

2023

Built

Garage

Pool

About this home

Highpointe At Rivertown

Nestled within a small, exclusive enclave of luxury homes in the highly sought-after RiverTown master-planned community, this stunning Carson floor plan by MasterCraft Builders is ready to steal your heart. Four bedrooms, three bathrooms, and thoughtful upgrades around every corner make this home anything but ordinary. The kitchen is a culinary enthusiast's paradise, featuring high-end stainless appliances, double ovens, double-stack cabinetry with soft-close doors and drawers, under-cabinet lighting, and an expansive walk-in pantry with solid shelving. Entertaining comes effortlessly with a wet bar complete with sink and beverage center. A dedicated office with built-ins and French doors offers the perfect work-from-home retreat, while the bonus den -- also framed by French doors -- invites movie nights or friendly game tournaments. The primary suite is a true sanctuary with custom closet systems, picture molding, me retreat, while the bonus den -- also framed by French doors --

Cost to own

Mortgage calculator

Home Price

$950,000

Down Payment: 20%

$190,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,844

Principal & Interest: $4,844

Property taxes (est.): $1,264

Insurance (est.): $633

Estimated Total Monthly

$6,741

*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$4,844

Property taxesest. at asking price, St. Johns County$1,264

HOAbilled annually$4

Estimated total, before insurance$6,112/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,831/yr · $1,153/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).

Cost to own

Taxes & assessment

Last sold: $900,100 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$747,384	$696,662	—
2024	$768,063	$718,063	—
2023	$155,000	$155,000	—
2022	$151,200	$151,200	—

2025 property taxes (current owner): $13,831/yr

Estimated taxes if purchased at asking price: ~$15,200/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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 2023)

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

Mar 12, 2026Listed$950,000

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

Features

Price$950,000

Price / Sq Ft$292

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,258

Acres0.23 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address460 Shinnecock Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionHighpointe At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,018.8 sq ft

Parcel Number0007220400

ZoningResidential

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPool

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned, Wine Cooler

HeatingCentral, Electric, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit

SecurityCarbon Monoxide Detector(s)