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This home is in St. Johns — a home near Bartram Trail High School.

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Active

Active·163 days on market

309 Chandler Drive

St. Johns, FL 32259

$665,000$188/sqftEst. $3,419/moMLS# 2135245

Beds

Baths

3,539

Sq Ft

2021

Built

Garage

Pool

About this home

St. Johns

Welcome to 309 Chandler Drive in the RiverTown community, offering spacious living and thoughtful design. This five bedroom, three and a half bathroom home features an open floor plan centered around a beautiful living room with built in cabinetry and a large kitchen island ideal for gathering. A dedicated den provides flexible space for work or hobbies, while the expansive loft offers additional room to relax or entertain. The primary suite features two walk in closets, including one exceptionally large closet with built ins, along with a soaking tub and separate shower. Sliding glass doors open to the backyard creating seamless indoor outdoor living. Additional highlights include a three car garage and elegant exterior trim lighting. RiverTown residents enjoy resort style amenities including a riverfront pool, café and bar, tennis and basketball courts, jogging paths, dog parks, a lap pool, lazy river, and more, creating a lifestyle where every day feels like a vacation.

Cost to own

Mortgage calculator

Home Price

$665,000

Down Payment: 20%

$133,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,419

Principal & Interest: $3,419

Property taxes (est.): $885

Insurance (est.): $443

Estimated Total Monthly

$4,747

*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$3,419

Property taxesest. at asking price, St. Johns County$885

HOAbilled annually$4

Estimated total, before insurance$4,308/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,208/yr · $851/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

Year	Market value	Taxable value	Change
2025	$566,539	$462,751	—
2024	$585,146	$449,002	—
2023	$593,816	$434,468	—
2022	$470,357	$420,357	—
2021	$75,000	$75,000	—

2025 property taxes (current owner): $10,208/yr

Estimated taxes if purchased at asking price: ~$10,600/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: material not specified — 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: ~1,741 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

Mar 20, 2026Listed$665,000

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

Features

Price$665,000

Price / Sq Ft$188

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,539

Acres0.16 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address309 Chandler Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0007131600

ZoningResidential

Amenities

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

UtilitiesCable Available

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBuilt-in Features, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo