This home is in St. Johns.

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Active

Active·2 days on market

3622 State Road 13 N

St. Johns, FL 32259

$1,795,000$392/sqftEst. $9,554/moMLS# 2154783

Beds

Baths

4,579

Sq Ft

2023

Built

Garage

Yes

Pool

About this home

St. Johns

Experience luxury living in Rivertown Estates with this exceptional custom home situated on a private 0.65-acre homesite. Offering approximately 4,500 square feet, this thoughtfully designed residence features soaring 12-foot ceilings, 8-foot doors, 7-inch French oak flooring, custom board and batten accents, a Control4 smart home system, motorized blinds, and premium finishes throughout. The chef's kitchen showcases double-stacked cabinetry and opens to expansive living and entertaining spaces. The main level includes a luxurious primary suite, private office, guest suite with en-suite bath, and sunroom. Upstairs offers two additional en-suite bedrooms, a spacious loft, and a fully customized theater room with surround sound. Step outside to your private backyard retreat featuring a saltwater pool and spa, travertine pool deck, screened lanai with motorized shade, gas hookup for an outdoor kitchen, professional-grade basketball hoop, and beautifully landscaped grounds.

Cost to own

Mortgage calculator

Home Price

$1,795,000

Down Payment: 20%

$359,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$9,554

Principal & Interest: $9,554

Est. Taxes & Insurance: $2,388

Estimated Total Monthly

$11,942

*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$9,554

Property taxesest. at asking price, St. Johns County$2,389

HOAbilled annually$28

Estimated total, before insurance$11,971/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

2025 property taxes (current owner): $14,944/yr

Estimated taxes if purchased at asking price: ~$28,700/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, 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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,699 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 10, 2026Listed$1,795,000

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

Features

Price$1,795,000

Price / Sq Ft$392

Bedrooms5

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage4,579

Acres0.64 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address3622 State Road 13 N, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Estates

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size27,878.4 sq ft

Parcel Number0007110300

ZoningResidential

Amenities

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air, Multi Units, Zoned

FlooringTile, Wood

# of Stories2

LevelsTwo

SecuritySecurity Gate, Security System Owned

Spa FeaturesHeated