This home is in Riverside At Rivertown, St. Johns.

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Active

Active·Listed today·Riverside At Rivertown

418 Sandy Cove

St. Johns, FL 32259

$1,000,000$363/sqftEst. $5,099/moMLS# 2156590

Beds

Baths

2,756

Sq Ft

2022

Built

Garage

Pool

About this home

Riverside At Rivertown

Welcome to 418 Sandy Cove, a stunning custom home nestled within the private, gated community of Riverside at RiverTown, set on nearly half an acre with a private backyard and peaceful natural surroundings. Thoughtfully designed with a bright, open layout, this home showcases custom trim work, built in bookshelves, hardwood flooring, designer lighting, and timeless architectural details throughout. At the heart of the home, the gourmet kitchen features ceiling height custom cabinetry, an oversized island with bar seating, Thermador appliances, a gas cooktop with hood, convection oven, under cabinet lighting, and a butler's pantry. The light filled living room is centered around a beautiful gas fireplace with sparkling crystal pebbles, while the private primary suite offers tray ceilings, an oversized walk in closet, an elongated double vanity, a walk in shower, and a relaxing garden tub. Designed for effortless indoor outdoor living, the screened lanai overlooks the private

Cost to own

Mortgage calculator

Home Price

$1,000,000

Down Payment: 20%

$200,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$5,099

Principal & Interest: $5,099

Property taxes (est.): $1,331

Insurance (est.): $667

Estimated Total Monthly

$7,096

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$5,099

Property taxesest. at asking price, St. Johns County$1,331

HOAbilled annually$212

Estimated total, before insurance$6,641/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,330/yr · $694/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): $8,330/yr

Estimated taxes if purchased at asking price: ~$16,000/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: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,662 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

Jul 25, 2026Active$1,000,000
Jul 22, 2026Listed$1,000,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,000,000

Price / Sq Ft$363

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,756

Acres0.43 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address418 Sandy Cove, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRiverside At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size18,730.8 sq ft

Parcel Number0007110450

ZoningResidential

Amenities

AmenitiesGated

UtilitiesElectricity Connected, Natural Gas Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryIn Unit, Lower Level, Sink

SecuritySecurity Gate