This home is in St. Johns — a new construction home in St. Johns County.
Pending·55 days on market
397 Oakmoss Drive
St. Johns, FL 32259
About this home
St. Johns
Experience exceptional waterfront living in this Toll Brothers new construction home, nestled in one of Rivertown's most highly sought-after neighborhoods. Set directly along the river, this residence offers breathtaking, panoramic views. An inviting front porch and stunning two-story foyer welcome you inside, opening to views of the casual dining area and expansive two-story great room, seamlessly connecting to a covered lanai perfect for enjoying the tranquil surroundings. The modern yet gourmet kitchen features high end appliances, a sizable pantry, a center island with breakfast bar, and loads of cabinets. Privately located off the great room, the primary suite boasts a spacious walk-in closet and a luxurious bath with dual vanities and a glass-enclosed shower. Secondary bedrooms are generously sized, while additional highlights include a loft, a tucked-away flex room, a main-level laundry room, powder bath, and a 2-car garage.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $100,000 | $100,000 | — |
2025 property taxes (current owner): $3,263/yr
Estimated taxes if purchased at asking price: ~$10,600/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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2025)
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 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.
History
Price & status history
- Jul 17, 2026Pending$661,000
- Jun 30, 2026Listed$661,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: JACKSONVILLE TBI REALTY, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines