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This home is in Arbors At Rivertown, St. Johns.

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Active

Active·87 days on market·Arbors At Rivertown

78 Silkgrass Place

St. Johns, FL 32259

$535,000$264/sqftEst. $2,728/moMLS# 2144012

Beds

Baths

2,030

Sq Ft

2023

Built

Garage

Pool

About this home

Arbors At Rivertown

Welcome to resort-style living in one of St. Johns County's most coveted communities. This impeccably designed 4-bedroom, 3-bath ranch home in the Arbors at RiverTown is a rare find, offering single-story elegance, luxury finishes, and a serene preserve backdrop that brings nature right to your doorstep. Spanning 2,030 square feet, the thoughtfully crafted split open floor plan is perfectly suited for both refined entertaining and relaxed everyday living. Soaring 10-foot ceilings flow throughout the home, rising to a dramatic 12-foot ceiling in the great room, filling the space with an abundance of natural light and an undeniable sense of grandeur. The chef-inspired kitchen is appointed with 42-inch upper cabinetry featuring under-cabinet lighting and stunning quartz countertops, creating a sophisticated hub for culinary creativity and casual gatherings alike.

Cost to own

Mortgage calculator

Home Price

$535,000

Down Payment: 20%

$107,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,728

Principal & Interest: $2,728

Property taxes (est.): $712

Insurance (est.): $357

Estimated Total Monthly

$3,796

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,728

Property taxesest. at asking price, St. Johns County$712

HOAbilled annually$4

Estimated total, before insurance$3,444/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,645/yr · $554/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).

Cost to own

Taxes & assessment

Last sold: $484,500 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$464,326	$265,367	—
2024	$434,511	$257,181	—
2023	$100,000	$100,000	—
2022	$44,800	$44,800	—

2025 property taxes (current owner): $6,645/yr

Estimated taxes if purchased at asking price: ~$8,500/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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 2023)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,402 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

May 8, 2026Listed$535,000

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

Features

Price$535,000

Price / Sq Ft$264

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,030

Acres0.13 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address78 Silkgrass Place, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionArbors At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size5,662.8 sq ft

Parcel Number0007171480

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingElectric, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit