This home is in River Oaks Plantation, St. Johns — a pool home in St. Johns County.
Active·47 days on market·River Oaks Plantation
1157 Ashmore Drive
St. Johns, FL 32259
About this home
River Oaks Plantation
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, 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. Offering $1,500 paint credit with acceptable offer!
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 |
|---|---|---|---|
| 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: ~$11,600/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 (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 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
- Aug 21, 2026Price change$729,000−$5,000
- Aug 17, 2026Price change$734,000−$5,000
- Aug 3, 2026Price change$739,000−$11,000
- 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
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About River Oaks Plantation
River Oaks Plantation is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all River Oaks Plantation homes for sale →Listing Courtesy of: STA SUNRISE REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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