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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Johns — a home near Bartram Trail High School.

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Active Under Contract

Active Under Contract·29 days on market

633 Kendall Crossing Drive

St. Johns, FL 32259

$475,000$234/sqftEst. $2,631/moMLS# 2142616
↓ $10,000 below original list
4
Beds
2
Baths
2,030
Sq Ft
2018
Built
2
Garage
No
Pool
FEMA Zone XHOA $4/mo6,534 sqft lotWaterfrontSingle Family Residence1 story

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

About this home

St. Johns

Welcome to 633 Kendall Crossing Drive, a refined one story RiverTown residence with a tranquil pond view accented by palm trees. Luxury vinyl plank flooring creates a cohesive and elevated aesthetic throughout. The kitchen is beautifully curated with white cabinetry, light granite countertops, a striking blue backsplash, a contrasting darker wood island, and a built out pantry. Open living spaces flow seamlessly through sliding glass doors to a covered back porch, perfect for relaxed mornings and effortless entertaining, while a charming front porch enhances the home's inviting presence. This home offers four bedrooms and two full bathrooms, including a serene primary suite with a spacious walk in closet and a glass enclosed shower with tile to the ceiling. RiverTown residents enjoy resort style amenities including a riverfront pool, café and bar, tennis and basketball courts, jogging paths, dog parks, and more, creating a lifestyle where every day feels like a vacation.

Next steps in RiverTown

FollowNew RiverTown homes the day they list · free, no account

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$2,631
Property taxesest. at asking price, St. Johns County$632
HOAbilled annually$4
Estimated total, before insurance$3,268/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,169/yr · $514/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$475,000
$95,000
Loan Term
Monthly Payment
$2,631
Principal & Interest: $2,631
Property taxes (est.): $632
Insurance (est.): $317
Estimated Total Monthly
$3,580
*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.

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: material not specified — year not disclosed (home built 2018)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,716 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$408,876$232,630—
2024$416,501$225,225—
2023$419,577$222,063—
2022$374,493$214,139—
2021$269,271$206,446—
2020$263,419$202,905—

2025 property taxes (current owner): $6,169/yr

Estimated taxes if purchased at asking price: ~$7,600/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.

History

Price & status history

  • Sep 16, 2026Active Under Contract$475,000
  • Sep 16, 2026Active$475,000
  • Aug 19, 2026Active Under Contract$475,000
  • Jul 9, 2026Price change$475,000−$10,000
  • May 7, 2026Listed$485,000

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

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 $270/sq ft; this home is listed at $234/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
704 Kendall Crossing Drive, St. Johns, FL 32259Listed by EAGLES WORLD REALTY, INCAug 2026$525,000$2273/2.52,316160.1
391 Sternwheel Drive, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$457,000$2533/21,8051030.2
162 Riverwalk Boulevard, St. Augustine, FL 32259Listed by ASSIST2SELL FULL SERVICE REALTY LLC.Sep 2026$430,000$2693/21,60060.3
47 Noble Oak Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCSep 2026$794,000$3423/2.52,3241810.3
87 Merchant Avenue, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESAug 2026$512,155$2702/21,90000.4
254 Crafton Circle, St. Johns, FL 32259Listed by NON MLS (realMLS)Oct 2026$524,756$2762/21,90000.5

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$475,000
Price / Sq Ft$234
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,030
Acres0.15 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Zoned elementaryHallowes Cove Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryHallowes Cove Academy
Reported middleHallowes Cove Academy
Reported highBartram Trail
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address633 Kendall Crossing Drive, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionRivertown
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size6,534 sq ft
Parcel Number0007090070

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks
UtilitiesCable Connected, Electricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Gas Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air, Electric
# of Stories1
LevelsOne

Exterior

Lot DescriptionFew Trees
Patio / PorchFront Porch, Rear Porch

Additional Information

Date ListedSeptember 16, 2026
Days on Market132
HOA Fees$53 / Annually
HOA FrequencyAnnually
Tax Amount$6,169.1
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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