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 Shores, St. Johns — a waterfront home in St. Johns County.

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Active

Active·128 days on market·Rivertown Shores

135 Oak Park Drive

St. Johns, FL 32259

$999,950$418/sqftEst. $5,098/moMLS# 2136975

Beds

Baths

2,394

Sq Ft

2024

Built

2.5

Garage

Pool

About this home

Rivertown Shores

Come fall in love with this EXCLUSIVE, impeccably upgraded Lark model home, offering signature features NOT AVAILABLE IN ANY OTHER TOWNHOME for sale in beautiful, gated Shores at Rivertown! Unique in design, this luxuriously upgraded 2400 sq ft home offers many ONE-OF-A-KIND details such as the full, unobstructed 180 degree river views, spacious 40 foot landscaped breezeway right outside the front door; roomy 2.5 car garage that can easily accommodate a golf cart; ultra-private, riverfront Owner's suite balcony with no balcony next door; DEEP WATER BOAT SLIP available at the marina right out back and SO MUCH MORE! Part of the elegant Riverview Collection, this exclusive 3/2.5 home offers many top of the line upgrades- Jennair Gourmet appliances, premium quartz counters throughout, designer lighting, high-end oak hardwood flooring and gorgeous MARBLE paver patio in the fenced backyard with incredible sunrises and sunsets- just to name a few!

Cost to own

Mortgage calculator

Home Price

$999,950

Down Payment: 20%

$199,990

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,098

Principal & Interest: $5,098

Property taxes (est.): $1,331

Insurance (est.): $667

Estimated Total Monthly

$7,096

*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$5,098

Property taxesest. at asking price, St. Johns County$1,331

HOAbilled quarterly$315

Estimated total, before insurance$6,744/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,250/yr · $188/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	$724,752	$0	—
2024	$100,000	$100,000	—
2023	$100,000	$100,000	—

2025 property taxes (current owner): $2,250/yr

Estimated taxes if purchased at asking price: ~$16,000/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2024)

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

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 28, 2026Listed$999,950

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

Features

Price$999,950

Price / Sq Ft$418

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,394

Acres0.08 acres

Year Built2024

TypeResidential

Sub-TypeTownhouse

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2.5

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address135 Oak Park Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Shores

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size3,484.8 sq ft

Parcel Number0007271610

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, Management- On Site, Marina, Park, Pickleball, Playground, Security, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingOther, Attached, Garage, Garage Door Opener, Gated

ViewMarina, Pond, River, Trees/Woods

Waterfront TypeNavigable Water, Pond, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Solar Tube(s), Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Ice Maker, Induction Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryIn Unit, Sink, Upper Level

SecurityCarbon Monoxide Detector(s), Closed Circuit Camera(s), Entry Phone/Intercom, Key Card Entry, Security Fence, Security Gate, Security Lights, Smoke Detector(s)