This home is in Riverdale, St. Augustine — a waterfront home in St. Johns County.
Active·167 days on market·Riverdale
381 County Road 13 S
St. Augustine, FL 32092
3 more homes for sale in Riverdale →Search Riverdale on the map
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About this home
Riverdale
Pass through the private gates and follow the paver drive to this stunning riverfront retreat, where sweeping water views, mature Spanish moss oaks, and a lifestyle most only dream about await. This thoughtfully updated ranch-style home is truly move-in ready. Inside, the expansive great room impresses with skylights, soaring ceilings, and a wall of glass overlooking the river, anchored by a cozy gas fireplace. The open-concept layout flows into a chef's kitchen featuring granite countertops, gas cooking, a large island, upgraded cabinetry, and all new stainless appliances. The primary suite offers a new custom closet and updated bath with a brand new shower. The second suite -- perfect for guests or in-laws -- also features custom closet organization and a full bath. Major systems have been comprehensively updated: new electrical panel, water softener, supply pump, irrigation, and plumbing throughout. Outside, the private dock leads to a covered boathouse with electric lift.
Next steps in Riverdale
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Metal — year not disclosed (home built 1981)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,693 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 homeAs 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.
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
Nease Beachfront Park37 min drive · 14 parking spaces
Closest park or preserve
Palatka-to-St. Augustine State Trail19 min drive · 18.6 mi of trails
Closest public boat ramp
Riverdale Park Public Boat Rampabout 1.0 mi · St. Johns River
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 6 mi · Saint Johns River
Closest youth league fields
Pacetti Bay School Fields20 min drive · Baseball
Closest grocery store
Publixabout 9 mi · 84 Tuscan Way, Saint Augustine
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $711,374 | $0 | — |
| 2024 | $638,468 | $638,468 | — |
| 2023 | $559,583 | $199,247 | — |
| 2022 | $444,648 | $191,987 | — |
| 2021 | $365,735 | $184,939 | — |
| 2020 | $271,870 | $181,695 | — |
2025 property taxes (current owner): $334/yr
Estimated taxes if purchased at asking price: ~$18,400/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
- May 7, 2026Listed$1,150,000
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 $306/sq ft; this home is listed at $530/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 156 County Road 13, St. Augustine, FL 32092Listed by REAL BROKER LLC | Oct 2025 | $500,000 | $255 | 2/3 | 1,960 | 80 | 0.4 |
| 7720 Riverdale Road, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLC | Dec 2025 | $480,000 | $233 | 3/2 | 2,064 | 179 | 1.2 |
| 13545 County Rd 13 N, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLC | May 2025 | $625,000 | $400 | 3/2.5 | 1,564 | 5 | 1.4 |
| 7010 Woodward Road, St. Augustine, FL 32092Listed by REALTY EXCHANGE OF FLORIDA | May 2026 | $829,000 | $306 | 6/2 | 2,712 | 150 | 2 |
| 6980 Woodward Road, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLC | May 2025 | $1,067,500 | $416 | 4/2.5 | 2,566 | 31 | 2.2 |
| 1620 County Road 13 S, Elkton, FL 32033Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $395,000 | $212 | 3/2 | 1,860 | 68 | 2.5 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY LLC
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 Riverdale
Riverdale is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32092.
View all Riverdale homes for sale →Keep looking
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines