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This home is in Highpointe At Rivertown, St. Johns — a pool home in St. Johns County.

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Active

Active·169 days on market·Highpointe At Rivertown

28 Woodbay Court

St. Johns, FL 32259

$1,099,000$339/sqftEst. $5,650/moMLS# 2134623

Beds

Baths

3,239

Sq Ft

2021

Built

Garage

Yes

Pool

About this home

Highpointe At Rivertown

Built by Tidewater Homes, this 4 bedroom, 3 bath home offers 3,239 square feet of beautifully curated living on a quarter acre preserve corner lot, where superior craftsmanship, striking black and white design, and exceptional indoor outdoor living come together in all the right ways. From the craftsman farmhouse exterior with brick style paver driveway and covered front porch to the warm tone LVP flooring, black 8 foot interior doors, and magazine worthy finishes throughout, every space feels intentional, elevated, and timeless. The heart of the home is a stunning designer kitchen featuring double stacked white shaker cabinetry with brass linear pulls, a contrasting black island, quartz countertops, chevron pattern subway tile backsplash, walk in pantry with custom shelving, and a butler's pantry that adds both style and function. High end Thermador appliances pair with oversized brass industrial farmhouse pendant lighting over the dining island. The great room makes a bold impression

Cost to own

Mortgage calculator

Home Price

$1,099,000

Down Payment: 20%

$219,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,650

Principal & Interest: $5,650

Property taxes (est.): $1,462

Insurance (est.): $733

Estimated Total Monthly

$7,845

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$5,650

Property taxesest. at asking price, St. Johns County$1,462

HOAbilled annually$4

Estimated total, before insurance$7,117/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	$758,331	$565,035	—
2024	$778,770	$548,403	—
2023	$627,373	$461,993	—
2022	$552,717	$447,081	—
2021	$100,000	$100,000	—

Estimated taxes if purchased at asking price: ~$17,500/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: ~1,718 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.

History

Price & status history

Jul 14, 2026Price change$1,099,000−$21,000
Mar 12, 2026Listed$1,120,000

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

Features

Price$1,099,000

Price / Sq Ft$339

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,239

Acres0.25 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Salt Water

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address28 Woodbay Court, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionHighpointe At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,890 sq ft

Parcel Number0007220820

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, 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

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LaundryIn Unit, Lower Level, Sink

SecuritySmoke Detector(s)

Spa FeaturesIn Ground