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This home is in St. Johns — a home near Bartram Trail High School.

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Sold

Sold·Closed Aug 7, 2026·1 day on market·Recent sales in RiverTown

1120 Orange Branch Trail

St. Johns, FL 32259

$509,900sold priceListed at $509,900 · 100% of asking$225/sqftMLS# 2154449

Beds

Baths

2,268

Sq Ft

2020

Built

Garage

Pool

FEMA Zone XHOA $5/moSingle Family Residence1 story

About this home

St. Johns

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!

Next steps in RiverTown

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,824

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

HOAbilled annually$5

Estimated total, before insurance$3,507/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, 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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$509,900

Down Payment: 20%

$101,980

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,824

Principal & Interest: $2,824

Property taxes (est.): $679

Insurance (est.): $340

Estimated Total Monthly

$3,843

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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

As 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 8, 2026Closed$509,900
Jul 17, 2026Pending$509,900
Jul 16, 2026Active$509,900
Jul 6, 2026Listed$509,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $267/sq ft; this home is listed at $225/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
231 Footbridge Road, St. Johns, FL 32259Listed by REAL BROKER LLC	Sep 2026	$550,000	$239	3/2.5	2,305	5	0.1
246 Twin Flower Place, Jacksonville, FL 32259Listed by REAL BROKER LLC	Sep 2026	$554,500	$202	4/3.5	2,744	347	0.2
229 Chandler Drive, St. Johns, FL 32259Listed by ROUND TABLE REALTY	Aug 2026	$525,000	$207	4/3.5	2,533	102	0.2
254 Crafton Circle, St. Johns, FL 32259Listed by NON MLS (realMLS)	Oct 2026	$524,756	$276	2/2	1,900	0	0.3
148 Kellet Way, St. Johns, FL 32259Listed by EXP REALTY LLC	Sep 2026	$565,000	$292	2/2	1,932	6	0.3
305 Crafton Circle, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$449,000	$267	2/2	1,682	16	0.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$509,900

Price / Sq Ft$225

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,268

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address1120 Orange Branch Trail, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number1007040810

Amenities

AmenitiesOther, Basketball Court, Clubhouse, Fitness Center, Jogging Path, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesElectric

# of Stories1

LevelsOne

Exterior

FencingBack Yard, Vinyl

Additional Information

Date ListedJuly 16, 2026

Days on Market1

HOA Fees$55.25 / Annually

HOA FrequencyAnnually

Listing TermsAssumable, Cash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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