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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 Rivertown Forest, St. Johns — a waterfront home in St. Johns County.

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Pending

Pending·90 days on market·Rivertown Forest

63 Grand Lakes Drive

St. Johns, FL 32259

$515,990$209/sqftEst. $2,858/mo mortgageMLS# 2156347
↓ $3,010 below original list
3
Beds
2.5
Baths
2,474
Sq Ft
2026
Built
2
Garage
No
Pool

51 more homes for sale in Rivertown Forest →Search Rivertown Forest on the map

FEMA Zone XHOA $4/moWaterfrontSingle Family Residence2 storiesNew construction

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About this home

Rivertown Forest

Lot 117 - The Norwood offers the flexibility today's homeowners want, with 2,474 square feet of thoughtfully designed living space. A versatile first-floor flex room can be used as a home office, playroom, or hobby space, while the spacious upstairs loft provides room for a media area, game room, or additional gathering space. The open-concept Great Room, dining area, and kitchen create a seamless flow for everyday living and entertaining. A large kitchen island overlooks the main living area, while expansive windows and sliding glass doors fill the home with natural light and extend living outdoors to the lanai. Upstairs, the loft separates the secondary bedrooms from the owner's suite, creating added privacy and a relaxing retreat. Located in RiverTown, residents enjoy access to scenic trails, parks, lakes, preserves, and the beauty of the St. Johns River.

Next steps in Rivertown Forest

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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$2,858
Property taxesest. at asking price, St. Johns County$687
HOAbilled annually$4
Estimated total, before insurance$3,549/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

$515,990
$103,198
Loan Term
Monthly Payment
$2,858
Principal & Interest: $2,858
Property taxes (est.): $687
Insurance (est.): $344
Estimated Total Monthly
$3,889
*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.

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 2026)

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

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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:32 AM, sunset 6:51 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot, and shading the lanai’s west edge earns its keep.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Sep 21, 2026Pending$515,990
  • Sep 17, 2026Price change$515,990−$2,010
  • Jul 30, 2026Price change$518,000−$1,000
  • Jul 21, 2026Listed$519,000

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 $223/sq ft; this home is listed at $209/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
442 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESOct 2026$541,657$2165/32,511380.1
434 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESOct 2026$468,432$2233/2.52,096180.1
457 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESOct 2026$532,000$2125/32,511570.1
428 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESSep 2026$448,561$2583/21,738210.1
204 Holly Creek Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESSep 2026$619,000$2074/2.52,98700.1
365 Holly Creek Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESSep 2026$672,758$2255/42,987110.3

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$515,990
Price / Sq Ft$209
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,474
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontYes
New ConstructionYes
Direction FacesNortheast

School Information

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address63 Grand Lakes Drive, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionRivertown Forest
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0009691170

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management- On Site, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Restaurant
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Gas Range, Microwave
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedJuly 21, 2026
Days on Market61
HOA Fees$53 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: MATTAMY REAL ESTATE SERVICES

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.

The neighborhood

About Rivertown Forest

Rivertown Forest is a neighborhood in RiverTown, FL (St. Johns County), ZIP 32259.

View all Rivertown Forest homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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