This home is in Riverdale, St. Augustine.
Active·70 days on market·Riverdale
381 County Road 13 S
St. Augustine, FL 32092
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.
Cost to own
Mortgage calculator
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, 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.
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.
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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Riverdale
Riverdale is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Riverdale homes for sale →Listing Courtesy of: EXP REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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