This home is in St. Johns.

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Active

Active·2 days on market

391 Sternwheel Drive

St. Johns, FL 32259

$462,500$256/sqftEst. $2,358/moMLS# 2136714

Beds

Baths

1,805

Sq Ft

2015

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$462,500

Down Payment: 20%

$92,500

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,358

Principal & Interest: $2,358

Property taxes (est.): $615

Insurance (est.): $308

Estimated Total Monthly

$3,282

*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$2,358

Property taxesest. at asking price, St. Johns County$615

HOAbilled annually$5

Estimated total, before insurance$2,979/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,949/yr · $496/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	$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: ~$7,400/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.

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 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