This home is in St. Johns.

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Active

Active·53 days on market

191 Chipola Trace

St. Johns, FL 32259

$635,000$232/sqftEst. $3,238/moMLS# 2147939

Beds

Baths

2,732

Sq Ft

2016

Built

Garage

Pool

About this home

St. Johns

Preferred lender offering free 1 year rate buy down! Welcome to Rivertown! This beautifully maintained two-story home offers the perfect blend of space, style, and functionality. The open-concept floor plan features a spacious family room with a cozy fireplace, a formal dining area, and a stunning kitchen complete with granite countertops, stainless steel appliances, abundant cabinetry, and a large center island with seating. The first-floor primary suite provides a private retreat with a spa-like bath, dual vanities, soaking tub, walk-in shower, and an oversized walk-in closet. Upstairs, you'll find generously sized secondary bedrooms and a versatile loft ideal for a media room, playroom, or home office. Step outside to a covered lanai overlooking a fully fenced backyard with plenty of room to play, entertain, or add a future pool.

Cost to own

Mortgage calculator

Home Price

$635,000

Down Payment: 20%

$127,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,238

Principal & Interest: $3,238

Property taxes (est.): $845

Insurance (est.): $423

Estimated Total Monthly

$4,506

*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$3,238

Property taxesest. at asking price, St. Johns County$845

HOAbilled annually$4

Estimated total, before insurance$4,087/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,683/yr · $807/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: $665,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$481,653	$481,653	—
2024	$504,310	$454,310	—
2023	$506,955	$456,955	—
2022	$458,688	$251,246	—
2021	$330,026	$242,472	—
2020	$297,030	$238,434	—

2025 property taxes (current owner): $9,683/yr

Estimated taxes if purchased at asking price: ~$10,100/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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,765 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

May 31, 2026Listed$635,000

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

Features

Price$635,000

Price / Sq Ft$232

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,732

Acres0.17 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address191 Chipola Trace, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size7,405.2 sq ft

Parcel Number0007071180

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management - Full Time, Park, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Gas Range, Microwave, Refrigerator

HeatingElectric

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryIn Unit