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 St. Johns — a home near Bartram Trail High School.

1 / 79

Active Under Contract

Active Under Contract·44 days on market

295 Palomar Drive

St. Johns, FL 32259

$573,900$270/sqftEst. $2,966/moMLS# 2156659

Beds

Baths

2,126

Sq Ft

2025

Built

Garage

Pool

About this home

St. Johns

PUBLIC OPEN HOUSE 8/8 11-1pm*****Better than new and loaded with thoughtful upgrades, this 2025-built home in desirable Rivertown Ravines offers a rare combination of modern construction and premium post-closing improvements. Featuring 3 bedrooms, 2 bathrooms, and over 2,100 square feet, this home showcases an open-concept layout designed for both everyday living and entertaining. Significant owner upgrades include a fully fenced backyard, extended concrete patio, screened lanai, screened front entry, custom landscape retaining wall, exterior lighting, French drains with improved downspout drainage, water softener, UV water purification system, ADT security system with cameras, electronic smart locks, upgraded ceiling fans throughout, laundry room utility sink, additional storage solutions, overhead garage storage, finished garage floor, and an extended paver driveway. The air conditioning unit has also been thoughtfully relocated to maximize usable outdoor living space.

Cost to own

Mortgage calculator

Home Price

$573,900

Down Payment: 20%

$114,780

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,966

Principal & Interest: $2,966

Property taxes (est.): $764

Insurance (est.): $383

Estimated Total Monthly

$4,112

*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$2,966

Property taxesest. at asking price, St. Johns County$764

HOAbilled annually$4

Estimated total, before insurance$3,734/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 2025)

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

Aug 20, 2026Active Under Contract$573,900
Jul 29, 2026Price change$573,900−$6,000
Jul 23, 2026Listed$579,900

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

Features

Price$573,900

Price / Sq Ft$270

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,126

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address295 Palomar Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Ravines

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0009712010

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Range, Microwave, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit