This home is in St. Johns — a pool home in St. Johns County.
Active Under Contract·92 days on market
192 Whirlaway Court
St. Johns, FL 32259

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About this home
St. Johns
Seller is offering a concession with an acceptable offer! Exceptional value meets luxury living in RiverTown! Don't miss your chance to own this incredible home! Nestled on a private preserve lot, this thoughtfully designed 4,206 sq. ft. home offers 5 bedrooms, 3.5 baths, and 3 versatile flex spaces ideal for an office, theater, game room, gym, or additional living area. The chef-inspired kitchen flows seamlessly into the main living space and opens to a private resort-style backyard. Completed in 2024, the custom heated & chilled saltwater pool and spa feature waterfalls, Badu swim jets, travertine decking, and an outdoor kitchen. The first-floor primary suite offers a spa-like bath and oversized walk-in closets. Enjoy RiverTown's award-winning amenities, scenic trails, riverfront lifestyle, top-rated schools, shopping, and dining. Why wait to build when this exceptional home is move-in ready?
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.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,761 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Guana Reserve beach lot (middle)about 18 mi · 80 parking spaces
Closest park or preserve
Alpine Groves Park11 min drive · 1 mi of trails
Closest public boat ramp
Old Shand's Bridge Public Boat Ramp (shallow water)about 4 mi · St. Johns River
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 4 mi · St. Johns River
Closest youth league fields
Rivertown II Athletic Complex7 min drive · Soccer, Baseball, Basketball, Football, Pickleball, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $14,583/yr
Estimated taxes if purchased at asking price: ~$16,900/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.
History
Price & status history
- Sep 16, 2026Active Under Contract$1,059,000
- Sep 10, 2026Active$1,059,000
- Sep 9, 2026Active Under Contract$1,059,000
- Aug 12, 2026Price change$1,059,000−$36,000
- Jul 27, 2026Price change$1,095,000−$30,000
- Jul 16, 2026Listed$1,125,000
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 $233/sq ft; this home is listed at $252/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 165 High Brush Court, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $1,000,000 | $291 | 4/3.5 | 3,436 | 56 | 0.2 |
| 175 Wild Sage Drive, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS | Aug 2026 | $1,046,000 | $320 | 5/4 | 3,271 | 23 | 0.3 |
| 48 Riva Ridge Place, St. Johns, FL 32259Listed by ERA ONETEAM REALTY | Jul 2026 | $610,000 | $193 | 3/3.5 | 3,161 | 50 | 0.3 |
| 91 Walnut Glen Court, St. Johns, FL 32259Listed by GIVE BACK REALTY, LLC. | Sep 2026 | $700,000 | $214 | 5/4 | 3,271 | 46 | 0.5 |
| 117 Beaufort Court, St. Johns, FL 32259Listed by NON MLS (realMLS) | Sep 2026 | $735,532 | $232 | 5/3.5 | 3,169 | 0 | 0.5 |
| 411 Footbridge Road, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $750,000 | $233 | 5/4 | 3,217 | 14 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
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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Krista Fracke
Broker Associate
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