This home is in Rivertown, St. Johns.

1 / 39

Active

Active·Listed today·Rivertown

1246 Orange Branch Trail

St. Johns, FL 32259

$645,000$242/sqftEst. $3,433/moMLS# 2153185

Beds

Baths

2,664

Sq Ft

2020

Built

Garage

Pool

About this home

Rivertown

Welcome to RiverTown living at its best! This charming 3BR/2.5BA home features a desirable back-alley plan with a 3-car garage and extra-long driveway. The welcoming front porch and upstairs balcony overlook a peaceful wooded preserve, offering beautiful privacy. Inside, the bright open-concept layout includes a modern kitchen with quartz countertops, stainless steel appliances, and a gas stove. A versatile first-floor flex room with French doors provides the perfect space for a home office, study, or playroom. Upstairs, a spacious loft opens to the covered balcony for an additional retreat. The private backyard is ideal for relaxing or entertaining. Located near RiverTown's resort-style amenities--pools, lazy river, fitness center, dog parks, playgrounds, sports courts, and scenic riverfront trails.

Cost to own

Mortgage calculator

Home Price

$645,000

Down Payment: 20%

$129,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,258

Principal & Interest: $3,258

Est. Taxes & Insurance: $815

Estimated Total Monthly

$4,073

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,433

Property taxesest. at asking price, St. Johns County$858

HOAbilled annually$4

Estimated total, before insurance$4,296/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $655,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$509,454	$320,218	—
2024	$488,797	$310,486	—
2023	$493,797	$299,986	—
2022	$385,970	$238,467	—
2021	$321,374	$230,065	—
2020	$75,000	$68,750	—

2025 property taxes (current owner): $7,670/yr

Estimated taxes if purchased at asking price: ~$10,300/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