This home is in Rivertown Cove, St. Johns.

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Active

Active·82 days on market·Rivertown Cove

168 Saddlebunch Court

St. Johns, FL 32259

$701,000$231/sqftEst. $3,563/moMLS# 2142305

Beds

Baths

3,036

Sq Ft

2026

Built

2.5

Garage

Pool

About this home

Rivertown Cove

LOT 73 - The Rowan's inviting foyer opens into a bright, spacious Great Room filled with natural light from the adjacent lanai. The island kitchen overlooks both the Great Room and dining area, creating an easy, open flow. On the first floor, one flex room has been designed as a dedicated study, while the second flex room offers additional versatility for your preferred layout. The opted-in 12' multi-sliding glass door expands the connection to the covered lanai, enhancing indoor-outdoor living. Upstairs, the luxurious owner's suite features a generous walk-in closet and spa-inspired Super Shower. A large loft at the top of the stairs separates the owner's suite from three additional bedrooms, providing comfort and privacy throughout the second floor. RIVERTOWN is a master-planned community nestled along the pristine shores of the St Johns River. Each amenity is geared toward staying fit, meeting new friends, trying new activities, and having fun in northeast FL's sunshine.

Cost to own

Mortgage calculator

Home Price

$701,000

Down Payment: 20%

$140,200

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,563

Principal & Interest: $3,563

Est. Taxes & Insurance: $891

Estimated Total Monthly

$4,454

*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$3,563

Property taxesest. at asking price, St. Johns County$933

HOAbilled annually$4

Estimated total, before insurance$4,500/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

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

Apr 28, 2026Listed$701,000

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

Features

Price$701,000

Price / Sq Ft$231

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage3,036

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2.5

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Community Information

Address168 Saddlebunch Court, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Cove

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007310730

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)

UtilitiesCable Available, Electricity Connected, Natural Gas 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, Double Oven, Dryer, Freezer, Gas Cooktop, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup

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