This home is in St. Johns.

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Pending

Pending·87 days on market

48 Riva Ridge Place

St. Johns, FL 32259

$625,000$198/sqftEst. $3,187/moMLS# 2141747

Beds

Baths

3,161

Sq Ft

2021

Built

Garage

Pool

About this home

St. Johns

Designed for flexibility, space, and the Rivertown lifestyle, 48 Riva Ridge Pl offers 3,161 sq ft with 3 bedrooms, 3.5 bathrooms, and the ability to live like a 4 or 5 bedroom home. The open main living area is filled with natural light and connects seamlessly to the kitchen, dining, and gathering spaces, creating an ideal layout for everyday living and entertaining. The private primary suite provides a relaxing retreat, while a dedicated flex space offers options for an office, guest room, or additional bedroom. Between the 2nd and 3rd bedrooms, a versatile teen retreat/bonus area creates the perfect space for homework, gaming, media, or a second lounge. Enjoy the covered lanai and Rivertown's resort-style amenities, including pools, lazy river, clubhouse, fitness center, riverfront park, kayak launch, trails, playgrounds, dog parks, and community events. Conveniently located near shopping, restaurants, schools, this home keeps you close to everything St Johns has to offer.

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,187

Principal & Interest: $3,187

Property taxes (est.): $832

Insurance (est.): $417

Estimated Total Monthly

$4,435

*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$3,187

Property taxesest. at asking price, St. Johns County$832

HOAbilled annually$4

Estimated total, before insurance$4,023/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,901/yr · $825/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	$526,285	$432,208	—
2024	$540,818	$419,320	—
2023	$497,756	$405,650	—
2022	$442,379	$392,379	—
2021	$30,000	$30,000	—

2025 property taxes (current owner): $9,901/yr

Estimated taxes if purchased at asking price: ~$10,000/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.

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: ~1,771 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.

Features

Price$625,000

Price / Sq Ft$198

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,161

Acres0.18 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address48 Riva Ridge Place, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size7,840.8 sq ft

Parcel Number0007180230

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage

ViewTrees/Woods, Other

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne, Two

LaundryIn Unit, Lower Level