This home is in Rivertown Shores, St. Johns.

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Active·85 days on market·Rivertown Shores

196 Zephyr Drive

St. Johns, FL 32259

$474,000$272/sqftEst. $2,523/moMLS# 2141195

Beds

Baths

1,744

Sq Ft

2025

Built

Garage

Pool

About this home

Rivertown Shores

This brand-new 2025 Toll Brothers Tideland floor plan is a must-see, offering a move-in-ready opportunity in the gated, riverfront community of Shores at Rivertown without the wait of new construction. Designed to stand apart from typical builder inventory, this home showcases modern, designer-level upgrades and a bright, high-contrast interior style that elevates every space. A spacious foyer and hallway welcome you inside, drawing your eye toward the expansive great room and casual dining area, all filled with natural light. Just beyond, a covered lanai extends the living space outdoors, creating an ideal setting for both relaxing and entertaining. At the heart of the home, the thoughtfully designed kitchen features a large center island with a breakfast bar, abundant counter space, a roomy pantry, modern cabinetry, and a striking designer backsplash. The split-bedroom layout offers both comfort and privacy. The primary suite is a true retreat, complete with a spa-inspired bath

Cost to own

Mortgage calculator

Home Price

$474,000

Down Payment: 20%

$94,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,394

Principal & Interest: $2,394

Est. Taxes & Insurance: $599

Estimated Total Monthly

$2,993

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,523

Property taxesest. at asking price, St. Johns County$631

HOAbilled monthly$110

Estimated total, before insurance$3,264/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$135,000	$110,000	—
2024	$100,000	$100,000	—
2023	$100,000	$100,000	—

2025 property taxes (current owner): $4,385/yr

Estimated taxes if purchased at asking price: ~$7,600/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 2025)

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

Solar potential: ~1,611 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History