This home is in Rivertown Forest, St. Johns.

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Active

Active·82 days on market·Rivertown Forest

224 Holly Creek Drive

St. Johns, FL 32259

$694,000$197/sqftEst. $3,528/moMLS# 2142296

Beds

Baths

3,529

Sq Ft

2026

Built

Garage

Pool

About this home

Rivertown Forest

Lot 56 -The Clarendon floorplan is both elegant and spacious, offering abundant room for gathering with family and friends. A first-floor guest suite provides ideal privacy for visiting guests or live-in relatives. Near the entrance, a versatile closed study creates a welcoming sitting area before leading into the open-concept Great Room, dining area, and kitchen. Upstairs, a bright, generous loft adds even more living space. All secondary bedrooms feature walk-in closets, while the luxurious owner's suite includes two. An upstairs laundry room adds everyday convenience for the entire household. Set along the St. Johns River, RiverTown features parks, lakes, preserves, and miles of scenic trails designed for active, connected living in Northeast Florida.

Cost to own

Mortgage calculator

Home Price

$694,000

Down Payment: 20%

$138,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,528

Principal & Interest: $3,528

Est. Taxes & Insurance: $882

Estimated Total Monthly

$4,409

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,528

Property taxesest. at asking price, St. Johns County$923

HOAbilled annually$4

Estimated total, before insurance$4,455/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 13, 2026Price change$694,000−$2,000
Apr 28, 2026Listed$696,000

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

Features

Price$694,000

Price / Sq Ft$197

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,529

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesSouthwest

Community Information

Address224 Holly Creek Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0009690560

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

ViewProtected Preserve, Trees/Woods

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, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup