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

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Active

Active·45 days on market·Rivertown Forest

63 Grand Lakes Drive

St. Johns, FL 32259

$518,000$209/sqftEst. $2,677/moMLS# 2156347

Beds

Baths

2,474

Sq Ft

2026

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$518,000

Down Payment: 20%

$103,600

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,677

Principal & Interest: $2,677

Property taxes (est.): $689

Insurance (est.): $345

Estimated Total Monthly

$3,711

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,677

Property taxesest. at asking price, St. Johns County$689

HOAbilled annually$4

Estimated total, before insurance$3,370/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.

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.

History

Price & status history

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.

Features

Price$518,000

Price / Sq Ft$209

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,474

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Direction FacesNortheast

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)

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, Disposal, Dryer, Freezer, Gas Range, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup