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 Rivertown Forest, St. Johns — a new construction home in St. Johns County.

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Pending

Pending·208 days on market·Rivertown Forest

192 Holly Creek Drive

St. Johns, FL 32259

$546,000$240/sqftEst. $3,024/mo mortgageMLS# 2136627

Beds

2.5

Baths

2,273

Sq Ft

2026

Built

Garage

Pool

51 more homes for sale in Rivertown Forest →Search Rivertown Forest on the map

HOA $4/moSingle Family Residence1 storyNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Rivertown Forest

Lot 59 - The Saratoga floorplan is an impressive design blending vast living space with utmost comfort. The Great Room is central to the layout and overlooks the patio area while connecting to the spacious, light-filled dining nook and designer kitchen. The flex room offers additional living space for your preferred purpose. The luxurious owner's suite boasts a huge walk-in closet and private bath. Bedrooms 2 and 3 share a full bath. Bedroom 3 also has its own walk-in closet. RIVERTOWN is a master-planned community along the scenic St. Johns River, offering trails, lakefront parks, and preserve views. With resort-style amenities focused on fitness, fun, and connection, RiverTown brings Florida living to life.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,024

Property taxesest. at asking price, St. Johns County$727

HOAbilled annually$4

Estimated total, before insurance$3,755/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$546,000

Down Payment: 20%

$109,200

Interest Rate: 7.40%

Loan Term

Monthly Payment

$3,024

Principal & Interest: $3,024

Property taxes (est.): $727

Insurance (est.): $364

Estimated Total Monthly

$4,115

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Guana Reserve beach lot (north)
about 20 mi · 70 parking spaces
Closest park or preserve
Alpine Groves Park
7 min drive · 1 mi of trails
Closest public boat ramp
Knight's Boat Ramp and Marina on Black Creek
about 3 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launch
about 2 mi · St. Johns River
Closest youth league fields
Rivertown Park
10 min drive · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publix
9 min drive · 205 Rivertown Shops Dr, Saint Johns

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:32 AM, sunset 6:51 PM.

The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
The coolest diagonal for a lanai.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $257/sq ft; this home is listed at $240/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
442 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Oct 2026	$541,657	$216	5/3	2,511	38	0.2
434 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Oct 2026	$468,432	$223	3/2.5	2,096	18	0.2
457 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Oct 2026	$532,000	$212	5/3	2,511	57	0.2
428 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$448,561	$258	3/2	1,738	21	0.2
456 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$411,990	$257	3/2	1,601	4	0.2
326 Sir Barton Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$750,000	$277	3/3	2,705	173	0.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$546,000

Price / Sq Ft$240

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,273

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesSouthwest

School Information

This listingNo schools reported in the MLS

ElementaryHallowes Cove Academy, reported on 2 other Rivertown Forest listings

MiddleHallowes Cove Academy, reported on 2 other Rivertown Forest listings

HighBartram Trail, reported on 2 other Rivertown Forest listings

County schoolsSt. Johns County Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address192 Holly Creek Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0009690590

Amenities

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

Community FeaturesSidewalks, Restaurant

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods, Other

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Gas Range, Microwave

HeatingCentral

CoolingCentral Air

# of Stories1

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Patio

RoofShingle

ConstructionFiber Cement, Frame

Additional Information

Date ListedMarch 25, 2026

Days on Market97

HOA Fees$53 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan, Other

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: MATTAMY REAL ESTATE SERVICES

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Rivertown Forest

Rivertown Forest is a neighborhood in RiverTown, FL (St. Johns County), ZIP 32259.

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