This home is in Rivertown, St. Johns.

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Active Under Contract

Active Under Contract·118 days on market·Rivertown

229 Chandler Drive

St. Johns, FL 32259

$520,000$205/sqftEst. $2,768/moMLS# 2134998

Beds

Baths

2,533

Sq Ft

2021

Built

Garage

Pool

About this home

Rivertown

PRICE IMPROVEMENT!! Welcome to this beautifully maintained home, featuring an extremely LOW ASSUMABLE FHA MORTGAGE creating a unique opportunity for qualified buyers. Enjoy the benefits of a low-maintenance yard, giving you more time to take advantage of Rivertown's incredible resort-style amenities while still offering the perfect space to relax, entertain, or create your own outdoor canvas. Inside, you'll find a spacious open split floor plan with attractive neutral tones, engineered hardwood flooring in the main living areas, & soft carpeting in the bedrooms. The stunning kitchen is designed for both everyday living, featuring quartz countertops, stainless steel appliances, a gas range, a large center island, and abundant cabinetry. The living and dining areas flow seamlessly together, perfect for entertaining. The expansive primary suite offers a peaceful retreat with dual closets and a well-appointed ensuite bath

Cost to own

Mortgage calculator

Home Price

$520,000

Down Payment: 20%

$104,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,627

Principal & Interest: $2,627

Est. Taxes & Insurance: $657

Estimated Total Monthly

$3,283

*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$2,768

Property taxesest. at asking price, St. Johns County$692

HOAbilled annually$4

Estimated total, before insurance$3,464/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	$491,785	$392,539	—
2024	$508,227	$380,769	—
2023	$512,061	$368,222	—
2022	$406,041	$356,041	—
2021	$75,000	$75,000	—

2025 property taxes (current owner): $9,262/yr

Estimated taxes if purchased at asking price: ~$8,300/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.

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,740 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

Price & status history

Mar 20, 2026Listed$520,000

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

Features

Price$520,000

Price / Sq Ft$205

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,533

Total Structure Area3,500 sq ft

Acres0.15 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address229 Chandler Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,534 sq ft

Parcel Number0007131670

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Jogging Path, Management- On Site, Park, Pickleball, Playground, Tennis Court(s), Water

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDisposal, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup

SecuritySecurity System Leased, Smoke Detector(s)