This home is in St. Johns.
Active·144 days on market
191 Chipola Trace
St. Johns, FL 32259
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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.
Next steps in RiverTown
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (south)about 19 mi · 94 parking spaces
Closest park or preserve
Alpine Groves Park11 min drive · 1 mi of trails
Closest public boat ramp
Old Shand's Bridge Public Boat Ramp (shallow water)about 3 mi · St. Johns River
Closest kayak & paddleboard launch
Vera Francis Hall City Park Canoe Landingabout 4 mi · Governor's Creek
Closest youth league fields
Rivertown II Athletic Complex7 min drive · Soccer, Baseball, Basketball, Football, Pickleball, Softball
Closest grocery store
Publix8 min drive · 205 Rivertown Shops Dr, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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: ~$9,700/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.
History
Price & status history
- Aug 14, 2026Price change$605,000−$30,000
- May 31, 2026Listed$635,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $227/sq ft; this home is listed at $221/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 25 Perdido Street, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS | Oct 2026 | $599,000 | $242 | 4/3.5 | 2,471 | 3 | 0.3 |
| 132 Dahlia Falls Drive, St. Johns, FL 32259Listed by ROUND TABLE REALTY | Oct 2026 | $510,000 | $212 | 5/3 | 2,402 | 123 | 0.4 |
| 52 Waterfront Drive, St. Johns, FL 32259Listed by MOMENTUM REALTY | Sep 2026 | $505,000 | $213 | 3/2 | 2,370 | 55 | 0.4 |
| 704 Kendall Crossing Drive, St. Johns, FL 32259Listed by EAGLES WORLD REALTY, INC | Aug 2026 | $525,000 | $227 | 3/2.5 | 2,316 | 16 | 0.8 |
| 231 Footbridge Road, St. Johns, FL 32259Listed by REAL BROKER LLC | Sep 2026 | $550,000 | $239 | 3/2.5 | 2,305 | 5 | 0.9 |
| 229 Chandler Drive, St. Johns, FL 32259Listed by ROUND TABLE REALTY | Aug 2026 | $525,000 | $207 | 4/3.5 | 2,533 | 102 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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