This home is in St. Johns.

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2352 State Road 13 N 3

St. Johns, FL 32259

$1,750,000$596/sqftEst. $8,895/moMLS# 2156464

Beds

Baths

2,936

Sq Ft

1977

Built

Garage

Yes

Pool

About this home

St. Johns

Set on 1.69 acres along the St. Johns River, this property offers the kind of riverfront living that's becoming harder to find. A long, tree canopied driveway welcomes you home, creating a private estate-like setting with the timeless character of Old Florida. The main home features 3 bedrooms and 3 bathrooms with plenty of room to gather, plus the peace of mind of a new roof installed in 2023. Outside, you'll find a pool and cabana with a kitchenette and bathrooms, a 300-foot dock leading to the oversized boat house. It's the perfect setup for boating, fishing, entertaining, or simply enjoying the river. The detached guest house adds even more flexibility with a full kitchen, living room, bedroom, full bath, and additional upstairs sleeping space connected by a Jack-and-Jill bath. It's currently operating as a short-term rental, making it ideal for extra income, extended family, or long-term guests.

Cost to own

Mortgage calculator

Home Price

$1,750,000

Down Payment: 20%

$350,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$8,895

Principal & Interest: $8,895

Property taxes (est.): $2,329

Insurance (est.): $1,167

Estimated Total Monthly

$12,390

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$8,895

Property taxesest. at asking price, St. Johns County$2,329

Estimated total, before insurance$11,224/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): $9,384/yr

Estimated taxes if purchased at asking price: ~$27,900/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,397 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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