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

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Active Under Contract

Active Under Contract·47 days on market·Haven At Rivertown

138 Meadow Creek Drive

St. Johns, FL 32259

$379,900$275/sqftEst. $2,022/moMLS# 2147626

Beds

Baths

1,382

Sq Ft

2022

Built

Garage

Pool

About this home

Haven At Rivertown

Move-in ready and just in time for summer in Rivertown! Settle in before the new school year begins and start enjoying everything this incredible community has to offer. Located on a private preserve lot in Haven at Rivertown, this beautifully maintained home offers the perfect blend of comfort, style, and easy living. Open-concept floorplan featuring LVP flooring quartz countertops, tiled backsplash, stainless steel appliances, and a spacious kitchen island perfect for entertaining. The screened lanai and fully fenced backyard create a peaceful outdoor retreat with added privacy and preserve views. The owner's suite also overlooks the preserve and features a large walk-in shower and generous walk-in closet. Additional upgrades include upgraded lighting and ceiling fans, whole-house gutters, UV HVAC air purification system, all appliances included -- even washer and dryer -- plus FULLY PAID solar panels helping keep utility costs low. Kids can walk to sc

Cost to own

Mortgage calculator

Home Price

$379,900

Down Payment: 20%

$75,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,919

Principal & Interest: $1,919

Est. Taxes & Insurance: $480

Estimated Total Monthly

$2,399

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$2,022

Property taxesest. at asking price, St. Johns County$506

HOAbilled annually$5

Estimated total, before insurance$2,532/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.

Cost to own

Taxes & assessment

Last sold: $384,200 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$318,207	$267,485	—
2024	$326,440	$261,167	—
2023	$302,104	$252,104	—
2022	$89,600	$89,600	—

Estimated taxes if purchased at asking price: ~$6,100/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: material not specified — year not disclosed (home built 2022)

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History