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This home is in St. Johns — a home near Bartram Trail High School.

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Sold

Sold·Closed Jun 16, 2026·28 days on market·Recent sales in RiverTown

49 Oak Shadow Place

St. Johns, FL 32259

$535,000sold priceListed at $545,000 · 98.2% of asking$233/sqftMLS# 2138549

Beds

2.5

Baths

2,296

Sq Ft

2021

Built

Garage

Pool

HOA $4/moSingle Family Residence2 stories

About this home

St. Johns

** ASSUMABLE 2.75% INTEREST RATE** Step into a home that truly shows like a model. Impeccably upgraded and thoughtfully designed from top to bottom. This 3-bedroom, 2.5-bath residence offers a versatile office/flex space and an expansive upstairs loft, providing flexibility for work, play, or guests. Inside, you'll find new flooring throughout, custom built-ins, designer trim work, and a stunning fireplace that anchors the main living area with warmth and style. The kitchen and living spaces flow seamlessly, creating the perfect setting for both everyday living and entertaining. Step outside to an extended patio overlooking a private preserve lot. Your own peaceful retreat with no rear neighbors. Every detail has been carefully curated, delivering the look and feel of a professionally designed model home without the wait of new construction.

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.

Principal & interest20% down · 7.4% · 30yr$2,963

Property taxesest. at asking price, St. Johns County$712

HOAbilled annually$4

Estimated total, before insurance$3,680/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

$535,000

Down Payment: 20%

$107,000

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,963

Principal & Interest: $2,963

Property taxes (est.): $712

Insurance (est.): $357

Estimated Total Monthly

$4,032

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 2021)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,725 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

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.

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 $239/sq ft; this home is listed at $237/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
130 Beaufort Court, St. Johns, FL 32259Listed by NON MLS (realMLS)	Aug 2026	$630,674	$264	4/3	2,385	0	0.5
229 Chandler Drive, St. Johns, FL 32259Listed by ROUND TABLE REALTY	Aug 2026	$525,000	$207	4/3.5	2,533	102	0.5
246 Twin Flower Place, Jacksonville, FL 32259Listed by REAL BROKER LLC	Sep 2026	$554,500	$202	4/3.5	2,744	347	0.6
231 Footbridge Road, St. Johns, FL 32259Listed by REAL BROKER LLC	Sep 2026	$550,000	$239	3/2.5	2,305	5	0.6
617 Luminous Avenue, St. Johns, FL 32259Listed by PULTE REALTY OF NORTH FLORIDA, LLC.	Aug 2026	$544,000	$237	5/3	2,296	73	0.7
146 Saddlebunch Court, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Aug 2026	$599,000	$253	3/2.5	2,367	88	0.7

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$545,000

Price / Sq Ft$237

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,296

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address49 Oak Shadow Place, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007170870

ZoningSingle Family

Amenities

AmenitiesPool, Barbecue, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Water

UtilitiesNatural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Range, Gas Water Heater, Microwave, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

Exterior

RoofShingle

ConstructionFiber Cement

Additional Information

Date ListedApril 6, 2026

Days on Market28

HOA Fees$53 / Annually

HOA FrequencyAnnually

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

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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