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This home is in Rivertown Cove, St. Johns — a new construction home in St. Johns County.

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Pending

Pending·161 days on market·Rivertown Cove

530 Adirondack Drive

St. Johns, FL 32259

$744,054$245/sqftEst. $3,940/moMLS# 2139437

Beds

2.5

Baths

3,036

Sq Ft

2026

Built

2.5

Garage

Pool

HOA $4/moSingle Family Residence2 storiesNew construction

About this home

Rivertown Cove

Lot 31 - The Rowan's welcoming foyer opens to the spacious Great Room, washed with abundant light from the adjacent lanai. The island kitchen overlooks the Great Room and the dining room. The first floor features two flex rooms that provide multiple design options. Create a guest suite with a pool bath in lieu of Flex Room 2 or a study in one of the flex rooms. Add a fifth bedroom and third bath in lieu of the flex and powder rooms. Expand the covered lanai and add a 12-foot multi-sliding glass door. The second floor, with a sumptuous owner's suite and ample walk-in closet, also offers several options. Those include a bath oasis, with a Super Shower or a bath shower in lieu of a tub. The stairway from the foyer opens to an expansive loft that separates the suite of three upstairs bedrooms from the owner's suite. RiverTown is designed to connect its residents to the beautiful natural surroundings with neighborhood parks overlooking picturesque lakes and preserve, w/miles of trails.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$3,940

Property taxesest. at asking price, St. Johns County$990

HOAbilled annually$4

Estimated total, before insurance$4,935/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

$744,054

Down Payment: 20%

$148,811

Interest Rate: 6.95%

Loan Term

Monthly Payment

$3,940

Principal & Interest: $3,940

Property taxes (est.): $990

Insurance (est.): $496

Estimated Total Monthly

$5,426

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 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$744,054

Price / Sq Ft$245

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage3,036

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2.5

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address530 Adirondack Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Cove

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007310310

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

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, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Patio

RoofShingle

ConstructionFiber Cement, Frame

Additional Information

Date ListedApril 10, 2026

Days on Market20

HOA Fees$53 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan, Other

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: MATTAMY REAL ESTATE SERVICES · Matt.Berkis@mattamycorp.com

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.

The neighborhood

About Rivertown Cove

Rivertown Cove is a neighborhood in RiverTown, FL (St. Johns County), ZIP 32259.

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