This home is in Rivertown Cove, St. Johns.

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Active

Active·52 days on market·Rivertown Cove

189 Saddlebunch Court

St. Johns, FL 32259

$762,000$224/sqftEst. $3,873/moMLS# 2147546

Beds

Baths

3,408

Sq Ft

2026

Built

2.5

Garage

Pool

About this home

Rivertown Cove

Lot 84 - The Wren's welcoming hallway leads into an open living area designed for connection and comfort. The island kitchen blends seamlessly with the dining room and Great Room, brightened by natural light from the covered lanai. The owner's suite sits privately at the back of the home. A first-floor bedroom features its own bath with a shower and a walk-in closet. A dedicated study replaces the flex room for focused work. Upstairs, a spacious loft centers three additional bedrooms.. RIVERTOWN is a master-planned community nestled along the pristine shores of the St Johns River. Each amenity is geared toward staying fit, meeting new friends, trying new activities, and having fun in northeast FL's sunshine.

Cost to own

Mortgage calculator

Home Price

$762,000

Down Payment: 20%

$152,400

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,873

Principal & Interest: $3,873

Est. Taxes & Insurance: $968

Estimated Total Monthly

$4,841

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$3,873

Property taxesest. at asking price, St. Johns County$1,014

HOAbilled annually$4

Estimated total, before insurance$4,892/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, 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.

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 2026)

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

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 28, 2026Listed$762,000

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

Features

Price$762,000

Price / Sq Ft$224

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,408

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2.5

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address189 Saddlebunch Court, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Cove

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007310840

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management- On Site, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Freezer, Gas Cooktop, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)