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 Rivertown Garden District North, St. Johns — a home near Bartram Trail High School.

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Active

Active·55 days on market·Rivertown Garden District North

386 Footbridge Road

St. Johns, FL 32259

$625,000$227/sqftEst. $3,187/moMLS# 2148968

Beds

Baths

2,754

Sq Ft

2022

Built

Garage

Pool

About this home

Rivertown Garden District North

Better than new & full of thoughtful features, this beautiful 2022-built home offers the perfect blend of comfort, style, & resort-style living in sought-after RiverTown. With impressive curb appeal & an inviting open-concept floor plan, this 2-story home is designed for both everyday living & entertaining. The main level features a spacious primary suite with a luxury bath, creating a convenient & private retreat. Upstairs, you'll find 3 additional bedrooms, 2 full baths, & a large loft that provides the ideal space for movie nights, game days, homework, or family gatherings. Outdoor living is just as appealing, with a covered screened lanai that opens to a fenced yard complete with a hot tub--perfect for relaxing evenings or weekend entertaining. A 3-car garage provides excellent parking, storage, & flexibility. Located in the highly desirable RiverTown community, residents enjoy access to 3 incredible amenity centers featuring a restaurant, tennis & pickle ball courts, pools, etc.

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,187

Principal & Interest: $3,187

Property taxes (est.): $832

Insurance (est.): $417

Estimated Total Monthly

$4,435

*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$3,187

Property taxesest. at asking price, St. Johns County$832

HOAbilled annually$4

Estimated total, before insurance$4,023/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,676/yr · $806/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: $676,400 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$517,556	$459,863	—
2024	$496,195	$446,195	—
2023	$501,195	$451,195	—
2022	$89,600	$89,600	—

2025 property taxes (current owner): $9,676/yr

Estimated taxes if purchased at asking price: ~$10,000/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: Shingle — year not disclosed (home built 2022)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,723 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

Jun 5, 2026Listed$625,000

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

Features

Price$625,000

Price / Sq Ft$227

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,754

Total Structure Area3,288 sq ft

Acres0.13 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address386 Footbridge Road, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Garden District North

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size5,662.8 sq ft

Parcel Number0007041140

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Maintenance Structure, Management - Off Site, Park, Pickleball, Playground, Tennis Court(s), Water

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

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingNatural Gas

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

Spa FeaturesHeated, Above Ground, Private