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 Rive St Johns, Jacksonville — a waterfront home in Jacksonville.

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Active

Active·61 days on market·Rive St Johns

4728 University Boulevard N

Jacksonville, FL 32277

$1,999,999$344/sqftEst. $10,314/moMLS# 2147556

Beds

Baths

5,812

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

Rive St Johns

Tucked behind a palm lined entrance in the exclusive Rive St. Johns community, this extraordinary St. Johns River estate delivers nearly 6,000 square feet of refined waterfront living with panoramic views that feel endless. Designed for both grand entertaining and everyday luxury, this custom built residence showcases soaring ceilings, sweeping staircases, Brazilian cherry hardwood floors, multiple fireplaces, and walls of glass framing breathtaking water views throughout the home. The gourmet kitchen opens seamlessly into expansive living spaces and outdoor resort style amenities including a screened saltwater pool, summer kitchen, gazebo lounge, private basketball court, and multiple covered terraces designed for unforgettable evenings along the river. Featuring 5 spacious bedrooms, including dual owner's suites, private office spaces, spa inspired baths, and an upstairs entertainment retreat with wet bar and balcony access, every detail was curated for elevated living.

Cost to own

Mortgage calculator

Home Price

$1,999,999

Down Payment: 20%

$400,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$10,314

Principal & Interest: $10,314

Property taxes (est.): $3,266

Insurance (est.): $1,333

Estimated Total Monthly

$14,913

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$10,314

Property taxesest. at asking price, Duval County$3,266

HOAbilled annually$25

Estimated total, before insurance$13,605/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$27,817/yr · $2,318/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	$1,643,909	$1,536,903	▲ $65,075
2024	$1,589,301	$1,492,882	▲ $5,893
2023	$1,651,401	$1,447,944	—
2022	$1,472,058	$1,404,315	—
2021	$939,596	$939,596	▲ $12,314
2020	$901,399	$740,159	—

2025 property taxes (current owner): $27,817/yr

Estimated taxes if purchased at asking price: ~$39,200/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 3,305 current Duval 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: Shingle — year not disclosed (home built 2004)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,706 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 10, 2026Price change$1,999,999−$195,001
Jun 7, 2026Listed$2,195,000

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

Features

Price$1,999,999

Price / Sq Ft$344

Bedrooms5

Bathrooms5.00

Full Baths4

Half Baths2

Square Footage5,812

Total Structure Area5,886 sq ft

Acres0.76 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Pool Sweep, Screen Enclosure

Is WaterfrontYes

Direction FacesNorth

School Information

ElementaryFort Caroline

MiddleArlington

HighTerry Parker

Community Information

Address4728 University Boulevard N, Jacksonville, FL 32277

Area041-Arlington

SubdivisionRive St Johns

CityJacksonville

CountyDuval

StateFL

Zip Code32277

Lot Size33,105.6 sq ft

Lot Dimensions115' x 363', 115' x 315'

Parcel Number1123321025

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

Green / EnergyLighting

ParkingAdditional Parking, Attached, Circular Driveway, Garage, Garage Door Opener

ViewRiver

Waterfront TypeNavigable Water, River Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Wet Bar

AppliancesDishwasher, Disposal, Dryer, Electric Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Trash Compactor, Washer, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)