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 Arbors At Rivertown, St. Johns — a waterfront home in St. Johns County.

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Active

Active·131 days on market·Arbors At Rivertown

109 Wild Sage Drive

St. Johns, FL 32259

$872,500$255/sqftEst. $4,449/moMLS# 2136601

Beds

Baths

3,422

Sq Ft

2024

Built

Garage

Pool

About this home

Arbors At Rivertown

PRICE IMPROVEMENT + $1000 closing cost credit when preferred lender, Allie Penny, is used! RARE Multi-Gen/Teen/Guest Suite on main floor. This home truly has it all-3,400 square feet of elegant and functional living space on a spacious 70-foot wide rectangular pond to preserve lot--perfectly suited for a future pool or your own private outdoor oasis. The west-facing backyard showcases breathtaking sunset views. A charming front porch welcomes you into a dramatic two-story foyer. Just off the entry, a versatile flex room offers the perfect space for a sitting area, home office, or private study. The hallway opens into a bright, open-concept living area featuring a gourmet kitchen with a gigantic island, seamlessly connected to the dining and family rooms with tons of natural light pouring in from the windows and expansive sliders.

Cost to own

Mortgage calculator

Home Price

$872,500

Down Payment: 20%

$174,500

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,449

Principal & Interest: $4,449

Property taxes (est.): $1,161

Insurance (est.): $582

Estimated Total Monthly

$6,191

*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$4,449

Property taxesest. at asking price, St. Johns County$1,161

HOAbilled annually$4

Estimated total, before insurance$5,614/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,225/yr · $1,185/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: $884,500 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$760,031	$709,309	—
2024	$105,000	$105,000	—
2023	$100,000	$100,000	—

2025 property taxes (current owner): $14,225/yr

Estimated taxes if purchased at asking price: ~$13,900/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 2024)

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).

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 25, 2026Listed$872,500

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

Features

Price$872,500

Price / Sq Ft$255

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,422

Acres0.22 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address109 Wild Sage Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionArbors At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size9,583.2 sq ft

Parcel Number0007190500

ZoningResidential

Amenities

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

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

Water SourcePublic

ParkingGarage

ViewPond, Protected Preserve, Trees/Woods, Water

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Gas Cooktop, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

Spa FeaturesCommunity