This home is in Rivertown, St. Johns.

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Active·Listed today·Rivertown

1120 Orange Branch Trail

St. Johns, FL 32259

$509,900$225/sqftEst. $2,714/moMLS# 2154449

Beds

Baths

2,268

Sq Ft

2020

Built

Garage

Pool

About this home

Rivertown

This beautifully designed RiverTown home offers an assumable VA mortgage at just 3.5%! Inside you'll find a welcoming open layout with a spacious kitchen that flows into the main living areas, a private owner's suite with a custom walk in closet, 2 additional bedrooms, and a flex room with french doors that's perfect for a home office, playroom, or guest space. Whether you're enjoying a quiet morning on the screened lanai, hosting friends, or simply unwinding at the end of the day, this home offers the comfort and versatility you're looking for. Outside your front door, you'll enjoy your days spent by the community pool, exploring miles of scenic trails, kayaking on the St. Johns River, playing pickleball or tennis, and connecting with neighbors at one of Rivertown's incredible amenity centers. Located in sought after St. Johns County with access to highly rated schools, shopping, dining, and recreation nearby. This is more than just a home, it's a lifestyle!

Cost to own

Mortgage calculator

Home Price

$509,900

Down Payment: 20%

$101,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,576

Principal & Interest: $2,576

Est. Taxes & Insurance: $644

Estimated Total Monthly

$3,220

*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$2,714

Property taxesest. at asking price, St. Johns County$679

HOAbilled annually$5

Estimated total, before insurance$3,397/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.

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 — year not disclosed (home built 2020)

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

Solar potential: ~1,656 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