Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

1 / 60

Sold

Sold·Closed Aug 21, 2026·16 days on market·Recent sales in RiverTown

704 Kendall Crossing Drive

St. Johns, FL 32259

$525,000sold priceListed at $520,000 · 101% of asking$227/sqftMLS# 2155549

Beds

2.5

Baths

2,316

Sq Ft

2019

Built

Garage

Pool

FEMA Zone XHOA $4/moSingle Family Residence2 stories

About this home

St. Johns

If you've been waiting for the perfect blend of luxury, privacy, and resort style living, your search ends here. Nestled in one of RiverTown's most established and sought after neighborhoods, this beautifully upgraded home offers just over 2,300 square feet with 3 beds, 2.5 baths, and a thoughtfully designed layout. The first floor features a dedicated office with French doors, a convenient guest half bath, and an open concept living space centered around a gourmet kitchen with an oversized island, beautiful subway tile backsplash, elegant pendant lighting, a large stainless steel farmhouse sink overlooking the preserve, abundant cabinetry, and generous counter space. There is also a large space under the stairs for additional storage! Upstairs, you'll find all three beds, two full baths, a spacious loft with large windows that fills the space with natural light. You'll also find a laundry room equipped with a washer and dryer, and cabinetry, and a linen closet for extra storage.

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$2,908

Property taxesest. at asking price, St. Johns County$699

HOAbilled annually$4

Estimated total, before insurance$3,611/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

$525,000

Down Payment: 20%

$105,000

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,908

Principal & Interest: $2,908

Property taxes (est.): $699

Insurance (est.): $350

Estimated Total Monthly

$3,957

*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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,703 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 21, 2026Closed$520,000
Jul 31, 2026Pending$520,000
Jul 15, 2026Listed$520,000

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 $276/sq ft; this home is listed at $225/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
47 Noble Oak Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC	Sep 2026	$794,000	$342	3/2.5	2,324	181	0.3
391 Sternwheel Drive, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTY	Sep 2026	$457,000	$253	3/2	1,805	103	0.3
87 Merchant Avenue, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Aug 2026	$512,155	$270	2/2	1,900	0	0.3
254 Crafton Circle, St. Johns, FL 32259Listed by NON MLS (realMLS)	Oct 2026	$524,756	$276	2/2	1,900	0	0.5
94 Slip Cove, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC	Oct 2026	$679,000	$292	4/3	2,324	37	0.5
305 Crafton Circle, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$449,000	$267	2/2	1,682	16	0.5

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$520,000

Price / Sq Ft$225

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,316

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address704 Kendall Crossing Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007090640

Amenities

AmenitiesBasketball Court, Clubhouse, Dog Park, Fitness Center, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesKitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Oven, Gas Range, Microwave, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

Exterior

Lot DescriptionWooded

Patio / PorchFront Porch, Patio, Screened

FencingFull

RoofShingle

Additional Information

Date ListedJuly 15, 2026

Days on Market16

HOA Fees$53 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: EAGLES WORLD REALTY, INC

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.

Keep looking

More homes in Rivertown