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 pool home in St. Johns County.

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Active

Active·28 days on market

192 Whirlaway Court

St. Johns, FL 32259

$1,059,000$252/sqftEst. $5,450/moMLS# 2155718

Beds

Baths

4,206

Sq Ft

2021

Built

Garage

Yes

Pool

About this home

St. Johns

$66,000 PRICE IMPROVEMENT! 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?

Cost to own

Mortgage calculator

Home Price

$1,059,000

Down Payment: 20%

$211,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$5,450

Principal & Interest: $5,450

Property taxes (est.): $1,409

Insurance (est.): $706

Estimated Total Monthly

$7,565

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.67% · 30yr$5,450

Property taxesest. at asking price, St. Johns County$1,409

HOAbilled annually$4

Estimated total, before insurance$6,864/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,583/yr · $1,215/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 (that applies to the reference bill above too).

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.

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 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 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.

Features

Price$1,059,000

Price / Sq Ft$252

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