This home is in St. Johns.
Sold·Closed Sep 8, 2026·103 days on market·Recent sales in RiverTown
391 Sternwheel Drive
St. Johns, FL 32259
About this home
St. Johns
WOW! Rivertown Beauty - Experience Rivertown luxury in this stunning 3BR/2BA home, located in the highly rated St. Johns County School District. Comfort meets high-end design starting with a welcoming pavered front porch equipped with dual ceiling fans. Inside, the spacious open-concept floor plan features beautiful wood flooring throughout the main living areas and bedrooms. The chef-inspired kitchen is a true standout, boasting upgraded quartz countertops, a three-cabinet pantry, and a reverse osmosis water system. Premium stainless steel appliances include a Jenn-Air gas cooktop, Whirlpool wall oven, and a newer Samsung refrigerator. The airy living and dining spaces are framed by elegant custom plantation shutters. Retreat to the primary suite, which offers a large walk-in closet with built-ins and an ensuite bath featuring a custom marble shower, and a dual sink quartz countertop.
Next steps in RiverTown
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
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.
Hurricane evacuation zone F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: material not specified — year not disclosed (home built 2015)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · JEA_Premises point dataset with CCB_DESCR like sewer
County records show this parcel on central sewer served by JEA_Premises point dataset with CCB_DESCR like sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,612 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 homeAs 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.
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 (south)about 18 mi · 94 parking spaces
Closest park or preserve
Alpine Groves Park11 min drive · 1 mi of trails
Closest public boat ramp
Old Shand's Bridge Public Boat Ramp (shallow water)about 3 mi · St. Johns River
Closest kayak & paddleboard launch
Vera Francis Hall City Park Canoe Landingabout 4 mi · Governor's Creek
Closest youth league fields
Rivertown II Athletic Complex7 min drive · Soccer, Baseball, Basketball, Football, Pickleball, Softball
Closest grocery store
Publix8 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $409,642 | $223,953 | — |
| 2024 | $399,257 | $216,934 | — |
| 2023 | $388,836 | $209,159 | — |
| 2022 | $366,404 | $201,611 | — |
| 2021 | $282,260 | $194,283 | — |
| 2020 | $268,908 | $190,910 | — |
2025 property taxes (current owner): $5,949/yr
Estimated taxes if purchased at asking price: ~$7,300/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.
History
Price & status history
- Sep 14, 2026Closed$462,500
- Aug 3, 2026Active Under Contract$462,500
- Jul 24, 2026Active$462,500
- Jul 7, 2026Withdrawn$462,500
- Apr 3, 2026Listed$462,500
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $269/sq ft; this home is listed at $256/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 162 Riverwalk Boulevard, St. Augustine, FL 32259Listed by ASSIST2SELL FULL SERVICE REALTY LLC. | Sep 2026 | $430,000 | $269 | 3/2 | 1,600 | 6 | 0.1 |
| 704 Kendall Crossing Drive, St. Johns, FL 32259Listed by EAGLES WORLD REALTY, INC | Aug 2026 | $525,000 | $227 | 3/2.5 | 2,316 | 16 | 0.3 |
| 47 Noble Oak Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC | Sep 2026 | $794,000 | $342 | 3/2.5 | 2,324 | 181 | 0.5 |
| 32 Keeneland Road, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $417,000 | $257 | 3/2 | 1,620 | 2 | 0.5 |
| 254 Crafton Circle, St. Johns, FL 32259Listed by NON MLS (realMLS) | Oct 2026 | $524,756 | $276 | 2/2 | 1,900 | 0 | 0.6 |
| 305 Crafton Circle, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $449,000 | $267 | 2/2 | 1,682 | 16 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
Sold by: COLDWELL BANKER VANGUARD REALTY (buyer's brokerage)
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.
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Krista Fracke
Broker Associate
This home sold on Sep 8, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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