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This home is in Highpointe At Rivertown, St. Johns — a home near Bartram Trail High School.

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Active

Active·95 days on market·Highpointe At Rivertown

438 Shinnecock Drive

St. Johns, FL 32259

$924,000$370/sqftEst. $4,750/moMLS# 2147030

Beds

Baths

2,495

Sq Ft

2022

Built

Garage

Yes

Pool

About this home

Highpointe At Rivertown

438 Shinnecock Drive offers luxury living in the highly sought-after HighPointe at RiverTown community along the scenic St. Johns River. This beautifully designed 4BR/3BA MasterCraft home features an open floor plan with 10-foot ceilings, 8-foot solid core doors, oversized windows, and a dramatic 16-foot slider showcasing peaceful water views. The gourmet kitchen includes upgraded stainless appliances, a large island, and an oversized walk-in pantry with room for a second refrigerator or ice maker. The spacious primary suite features separate vanities, soaking tub, large shower, and oversized walk-in closet. Each bedroom offers direct bathroom access, including a guest suite with private bath and double vanity. Enjoy outdoor living with a covered lanai, paver patio, and fully screened heated pool overlooking the water. Custom wood shutters with 4.5-inch louvers throughout. Located near top-rated St. Johns County schools with resort-style amenities- pools, trails, parks and a lazy river

Cost to own

Mortgage calculator

Home Price

$924,000

Down Payment: 20%

$184,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,750

Principal & Interest: $4,750

Property taxes (est.): $1,230

Insurance (est.): $616

Estimated Total Monthly

$6,596

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,750

Property taxesest. at asking price, St. Johns County$1,230

HOAbilled annually$4

Estimated total, before insurance$5,984/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,255/yr · $938/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

Year	Market value	Taxable value	Change
2025	$637,812	$505,392	—

2025 property taxes (current owner): $11,255/yr

Estimated taxes if purchased at asking price: ~$14,800/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 2022)

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

Solar potential: ~1,750 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.

History

Price & status history

Aug 11, 2026Price change$924,000−$15,000
Jul 28, 2026Price change$939,000−$11,000
May 26, 2026Listed$950,000

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

Features

Price$924,000

Price / Sq Ft$370

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,495

Acres0.22 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated

Is WaterfrontYes

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBartram Trail

Community Information

Address438 Shinnecock Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionHighpointe At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size9,583.2 sq ft

Parcel Number0007220410

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Developer, Park, Pickleball, Playground, Storage, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Split Bedrooms

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup