This home is in River Oaks Plantation, St. Johns.

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Active

Active·2 days on market·River Oaks Plantation

1157 Ashmore Drive

St. Johns, FL 32259

$750,000$285/sqftEst. $3,992/moMLS# 2154397

Beds

Baths

2,630

Sq Ft

1997

Built

Garage

Yes

Pool

About this home

River Oaks Plantation

Live the Florida dream in this beautifully updated IMMACULATE 5-bedroom + office POOL home, located in one of the most sought-after neighborhoods and top-rated school districts in St. Johns County. Spend evenings watching sunsets from the community dock on the St. Johns River, then enjoy the amenities of both River Oaks Plantation and neighboring Julington Creek Plantation. Light-filled and impeccably maintained, this home features custom crown molding, a wood-burning fireplace, and a spacious owner's suite with a bay window and private access to the screened lanai overlooking the heated saltwater pool. Nearly everything has been thoughtfully updated, including all 3 bathrooms, new solid wood interior doors, all new appliances, fresh interior and exterior paint, pantry remodel, mudroom & laundry room updated, new lighting and fans throughout, new Govee lights, fresh landscaping and more! With a new water heater & pool pump, 2018 roof, 2022 HVAC, this move-in-ready home truly has it all

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$3,992

Principal & Interest: $3,992

Est. Taxes & Insurance: $998

Estimated Total Monthly

$4,990

*Estimates based on 30-year loan at 7% APR. 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$3,992

Property taxesest. at asking price, St. Johns County$998

HOAbilled semi-annually$61

Estimated total, before insurance$5,051/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

Year	Market value	Taxable value	Change
2024	$494,737	$292,949	—
2023	$465,746	$282,960	—
2022	$432,997	$273,262	—
2021	$375,152	$263,847	—
2020	$344,712	$259,514	—

2025 property taxes (current owner): $6,051/yr

Estimated taxes if purchased at asking price: ~$12,000/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 (2024), 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: material not specified — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,669 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 12, 2026Active$750,000
Jul 8, 2026Listed$750,000

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

Features

Price$750,000

Price / Sq Ft$285

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,630

Acres0.30 acres

Year Built1997

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Salt Water, Screen Enclosure

Is WaterfrontNo

Community Information

Address1157 Ashmore Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionRiver Oaks Plantation

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size13,068 sq ft

Parcel Number0006320260

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Pickleball, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2