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 St. Johns — a home near Bartram Trail High School.

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Active

Active·45 days on market

13 Verdure Street

St. Johns, FL 32259

$624,000$226/sqftEst. $3,182/moMLS# 2151461

Beds

Baths

2,755

Sq Ft

2019

Built

Garage

Pool

About this home

St. Johns

Welcome to 13 Verdure St, a beautifully maintained 4-bedroom, 3.5-bath home on a private corner lot in the highly sought-after Rivertown community. Offering a spacious open-concept layout, generous living areas, and modern finishes throughout, this home is designed for comfortable living and entertaining. Enjoy the rare 4-car garage setup with two separate 2-car garages and a long driveway providing ample parking and storage. The fully fenced backyard adds privacy and flexibility for outdoor living. Just steps from Rivertown's resort-style amenities, including pools, fitness center, trails, parks, sports courts, dog parks, waterfront dining, and more.

Cost to own

Mortgage calculator

Home Price

$624,000

Down Payment: 20%

$124,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,182

Principal & Interest: $3,182

Property taxes (est.): $830

Insurance (est.): $416

Estimated Total Monthly

$4,428

*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$3,182

Property taxesest. at asking price, St. Johns County$830

HOAbilled annually$5

Estimated total, before insurance$4,017/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,831/yr · $736/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	$527,726	$406,383	—
2024	$506,510	$394,082	—
2023	$511,510	$381,002	—
2022	$423,303	$368,303	—
2021	$352,839	$352,839	—
2020	$343,960	$343,960	—

2025 property taxes (current owner): $8,831/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 2019)

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

Solar potential: ~1,677 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 31, 2026Price change$624,000−$6,000
Jun 19, 2026Listed$630,000

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

Features

Price$624,000

Price / Sq Ft$226

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,755

Acres0.23 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages4

Has PoolNo

Is WaterfrontNo

School Information

ElementaryFreedom Crossing Academy

MiddleFreedom Crossing Academy

HighBartram Trail

Community Information

Address13 Verdure Street, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,018.8 sq ft

Parcel Number0007040540

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Protected Preserve

Interior

Interior FeaturesCeiling Fan(s), Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level