This home is in Rivertown, St. Johns.

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Active

Active·Listed today·Rivertown

192 Whirlaway Court

St. Johns, FL 32259

$1,125,000$267/sqftEst. $5,988/moMLS# 2155718

Beds

Baths

4,206

Sq Ft

2021

Built

Garage

Yes

Pool

About this home

Rivertown

Welcome to one of Rivertown Estates' most desirable settings, where timeless design meets resort-style living. Nestled on a private preserve lot, this thoughtfully designed 4,206 sqft home offers 5 bedrooms, 3.5 baths, and 3 versatile flex spaces perfect for a home office, theater, game/play room, fitness studio, or additional living area. At the heart of the home, the chef-inspired kitchen flows effortlessly into the main living area before opening to an incredible backyard retreat! Completed in 2024, the custom heated & cooled saltwater pool and spa feature waterfalls, Badu swim jets, travertine decking, and an outdoor kitchen, creating the perfect setting for entertaining or relaxing. The private first-floor primary suite offers a spa-inspired bath and oversized walk-in closets. Come 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 ready to enjoy today?

Cost to own

Mortgage calculator

Home Price

$1,125,000

Down Payment: 20%

$225,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$5,718

Principal & Interest: $5,718

Est. Taxes & Insurance: $1,430

Estimated Total Monthly

$7,148

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$5,988

Property taxesest. at asking price, St. Johns County$1,497

HOAbilled annually$4

Estimated total, before insurance$7,489/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): $14,583/yr

Estimated taxes if purchased at asking price: ~$18,000/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2021)

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

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 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 16, 2026Listed$1,125,000

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

Features

Price$1,125,000

Price / Sq Ft$267

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage4,206

Acres0.27 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water, Waterfall

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address192 Whirlaway Court, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size11,761.2 sq ft

Parcel Number0007230130

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Full Time, Park, Pickleball, Playground, Tennis Court(s)

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

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesBuilt-in Features, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Double Oven, Gas Range, Microwave, Tankless Water Heater, Washer/Dryer Stacked, Water Softener Owned

HeatingCentral

CoolingCentral Air, Multi Units

FlooringCarpet, Tile

# of Stories2

LaundryElectric Dryer Hookup, Sink, Washer Hookup