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This home is in Rivertown Forest, St. Johns — a waterfront home in St. Johns County.

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Pending

Pending·175 days on market·Rivertown Forest

49 Grand Lakes Drive

St. Johns, FL 32259

$548,341$218/sqftEst. $3,037/mo mortgageMLS# 2142168

Beds

Baths

2,511

Sq Ft

2026

Built

Garage

Pool

51 more homes for sale in Rivertown Forest →Search Rivertown Forest on the map

HOA $4/moWaterfrontSingle Family Residence2 storiesNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Rivertown Forest

Lot 115 - The Caspian floorplan blends generous living space with open, welcoming areas perfect for everyday comfort and entertaining. An elegant foyer leads to an open dining area and Great Room with backyard views, while the designer kitchen features a flush breakfast bar and a spacious corner walk-in pantry. A flex room and powder room complete the first floor. Upstairs, a large loft adds versatile living space. The owner's suite includes a private bath with dual-sink vanity and a roomy walk-in closet. Bedrooms 2, 3, and 4 share a full bath and convenient laundry room, with Bedroom 3 offering its own walk-in closet. Set along the St. Johns River, RiverTown features parks, lakes, preserves, and miles of scenic trails for active, connected living in Northeast Florida.

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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$3,037

Property taxesest. at asking price, St. Johns County$730

HOAbilled annually$4

Estimated total, before insurance$3,771/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

$548,341

Down Payment: 20%

$109,668

Interest Rate: 7.40%

Loan Term

Monthly Payment

$3,037

Principal & Interest: $3,037

Property taxes (est.): $730

Insurance (est.): $366

Estimated Total Monthly

$4,133

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Guana Reserve beach lot (north)
about 19 mi · 70 parking spaces
Closest park or preserve
Alpine Groves Park
7 min drive · 1 mi of trails
Closest public boat ramp
Knight's Boat Ramp and Marina on Black Creek
about 3 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launch
about 2 mi · St. Johns River
Closest youth league fields
Rivertown Park
10 min drive · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publix
9 min drive · 205 Rivertown Shops Dr, Saint Johns

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:32 AM, sunset 6:51 PM.

The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
Summer late-afternoons run hot, and shading the lanai’s west edge earns its keep.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

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 $223/sq ft; this home is listed at $218/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
442 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Oct 2026	$541,657	$216	5/3	2,511	38	0.1
457 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Oct 2026	$532,000	$212	5/3	2,511	57	0.1
434 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Oct 2026	$468,432	$223	3/2.5	2,096	18	0.1
204 Holly Creek Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$619,000	$207	4/2.5	2,987	0	0.1
365 Holly Creek Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$672,758	$225	5/4	2,987	11	0.3
442 Sir Barton Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Aug 2026	$749,000	$277	3/3	2,705	144	0.5

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$548,341

Price / Sq Ft$218

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,511

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Direction FacesNortheast

School Information

This listingNo schools reported in the MLS

ElementaryHallowes Cove Academy, reported on 2 other Rivertown Forest listings

MiddleHallowes Cove Academy, reported on 2 other Rivertown Forest listings

HighBartram Trail, reported on 2 other Rivertown Forest listings

County schoolsSt. Johns County Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address49 Grand Lakes Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0009691150

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management- On Site, Park, Pickleball, Playground, Tennis Court(s)

Community FeaturesSidewalks, Street Lights, Restaurant, Curbs

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Gas Range, Microwave

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Patio, Rear Porch

RoofShingle

ConstructionFiber Cement, Frame

Additional Information

Date ListedApril 27, 2026

Days on Market22

HOA Fees$53 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan, Other

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: MATTAMY REAL ESTATE SERVICES

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 Forest

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

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