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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Johns — a pool home in St. Johns County.

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Active Under Contract

Active Under Contract·92 days on market

192 Whirlaway Court

St. Johns, FL 32259

$1,059,000$252/sqftEst. $5,866/moMLS# 2155718
↓ $66,000 below original list
5
Beds
3.5
Baths
4,206
Sq Ft
2021
Built
3
Garage
Yes
Pool
FEMA Zone XHOA $4/mo11,761 sqft lotSingle Family Residence2 stories

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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

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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$5,866
Property taxesest. at asking price, St. Johns County$1,409
HOAbilled annually$4
Estimated total, before insurance$7,279/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,059,000
$211,800
Loan Term
Monthly Payment
$5,866
Principal & Interest: $5,866
Property taxes (est.): $1,409
Insurance (est.): $706
Estimated Total Monthly
$7,981
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

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.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
165 High Brush Court, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$1,000,000$2914/3.53,436560.2
175 Wild Sage Drive, St. Johns, FL 32259Listed by RE/MAX SPECIALISTSAug 2026$1,046,000$3205/43,271230.3
48 Riva Ridge Place, St. Johns, FL 32259Listed by ERA ONETEAM REALTYJul 2026$610,000$1933/3.53,161500.3
91 Walnut Glen Court, St. Johns, FL 32259Listed by GIVE BACK REALTY, LLC.Sep 2026$700,000$2145/43,271460.5
117 Beaufort Court, St. Johns, FL 32259Listed by NON MLS (realMLS)Sep 2026$735,532$2325/3.53,16900.5
411 Footbridge Road, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$750,000$2335/43,217140.5

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$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 Under Contract
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Heated, Salt Water, Waterfall
Is WaterfrontNo

School Information

Zoned elementaryHallowes Cove Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryHallowes Cove Academy
Reported middleHallowes Cove Academy
Reported highBartram Trail
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

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)
Community FeaturesSidewalks, Restaurant
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

Exterior

Lot DescriptionCul-De-Sac, Many Trees, Wooded
FencingBack Yard
RoofShingle

Additional Information

Date ListedJuly 16, 2026
Days on Market62
HOA Fees$53 / Annually
HOA FrequencyAnnually
Tax Amount$14,583.42
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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