This home is in Rivertown Forest, St. Johns.

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Pending

Pending·117 days on market·Rivertown Forest

192 Holly Creek Drive

St. Johns, FL 32259

$546,000$240/sqftEst. $2,775/moMLS# 2136627

Beds

Baths

2,273

Sq Ft

2026

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$546,000

Down Payment: 20%

$109,200

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,775

Principal & Interest: $2,775

Property taxes (est.): $727

Insurance (est.): $364

Estimated Total Monthly

$3,866

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,775

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

HOAbilled annually$4

Estimated total, before insurance$3,506/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.

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.

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

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)

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, Disposal, Dryer, Freezer, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup