Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

1 / 36

Active

Active·59 days on market·Arbors At Rivertown

230 Oak Shadow Place

St. Johns, FL 32259

$523,900$246/sqftEst. $2,671/moMLS# 2147177

Beds

Baths

2,130

Sq Ft

2022

Built

Garage

Pool

About this home

Arbors At Rivertown

Phenomenal and virtually NEW Mattamy Beauclerc floorplan pleasantly situation in the most serene section of The Arbors @ Rivertown - fully fenced w/ plush landscaping! Inside you will find rich LVP flooring throughout & elegant tile in the bathrooms (no carpet!). The kitchen is well appointed with 42'' shaker cabinets along w/ stacked glass display & cove style crown molding. Please note the unique & luxurious quartz counters! The primary bedroom suite includes ample light, high ceilings & an owner's bath with expanded double vanities & expansively large walk in shower. The home has a fourth bedroom that serves as the office as well. Outside, PLENTY OF ROOM FOR A POOL! The privacy fencing is already in place along with extended pavers for outdoor entertaining! Rivertown has THREE amenities centers and a plethora of pools along with the unique RIVER CLUB that is included as well! Welcome to resort style living & top rated schools! Note: 4th bedroom option digitally staged.

Cost to own

Mortgage calculator

Home Price

$523,900

Down Payment: 20%

$104,780

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,671

Principal & Interest: $2,671

Property taxes (est.): $697

Insurance (est.): $349

Estimated Total Monthly

$3,718

*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$2,671

Property taxesest. at asking price, St. Johns County$697

HOAbilled annually$5

Estimated total, before insurance$3,373/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,636/yr · $720/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: $495,100 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$501,633	$379,602	—
2024	$472,709	$368,196	—
2023	$438,714	$348,089	—
2022	$89,600	$77,000	—
2021	$70,000	$70,000	—

2025 property taxes (current owner): $8,636/yr

Estimated taxes if purchased at asking price: ~$8,400/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.

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.

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: ~1,751 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

Jul 27, 2026Price change$523,900−$16,000
Jun 5, 2026Listed$539,900

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

Features

Price$523,900

Price / Sq Ft$246

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,130

Acres0.17 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address230 Oak Shadow Place, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionArbors At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size7,405.2 sq ft

Parcel Number0007170460

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Tankless Water Heater

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySmoke Detector(s)