This home is in Rivertown Forest, St. Johns.

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Pending

Pending·84 days on market·Rivertown Forest

55 Grand Lakes Drive

St. Johns, FL 32259

$439,500$253/sqftEst. $2,234/moMLS# 2142210

Beds

Baths

1,738

Sq Ft

2026

Built

Garage

Pool

About this home

Rivertown Forest

Lot 116 - The Blair floorplan features an elegant, functional layout designed for comfortable living and effortless entertaining. A welcoming foyer with a coat closet and a convenient stop-and-drop area keeps daily essentials organized. The open kitchen, dining area, and Great Room create a bright, spacious setting ideal for gatherings or everyday routines. A flexible room offers space for a home office, sitting area, or workout zone. The owner's suite provides a private retreat with abundant natural light, a generous walk-in closet, and a spa-inspired bath. Two additional bedrooms share a full bath located near the dining area for easy access. Set along the St. Johns River, RiverTown offers parks, lakes, preserves, and miles of scenic trails, creating an active, connected lifestyle in Northeast Florida.

Cost to own

Mortgage calculator

Home Price

$439,500

Down Payment: 20%

$87,900

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,234

Principal & Interest: $2,234

Property taxes (est.): $585

Insurance (est.): $293

Estimated Total Monthly

$3,112

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,234

Property taxesest. at asking price, St. Johns County$585

HOAbilled annually$4

Estimated total, before insurance$2,823/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.

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 F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

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

As of July 2026, 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.

History

Price & status history

Jul 14, 2026Pending$439,500
Apr 27, 2026Listed$439,500

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$439,500

Price / Sq Ft$253

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,738

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Direction FacesNortheast

Community Information

Address55 Grand Lakes Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0009691160

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)

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, Disposal, Dryer, Freezer, Gas Range, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup