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

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Active·Listed today·Highpointe At Rivertown

492 Shinnecock Drive

St. Johns, FL 32259

$1,275,000$314/sqftEst. $6,501/moMLS# 2156710

Beds

Baths

4,064

Sq Ft

2022

Built

Garage

Yes

Pool

About this home

Highpointe At Rivertown

Professionally designed from top to bottom, this exceptional MasterCraft pool home offers luxury, flexibility, and unforgettable indoor-outdoor living. Featuring 5-6 bedrooms and 4.5 baths, the thoughtfully designed layout includes a dedicated office with French doors, custom millwork, and dual closets, designed to easily serve as a sixth bedroom. A dramatic 20' foyer with a statement sunburst chandelier welcomes you into beautifully curated living spaces showcasing wide-plank LVP flooring, plantation shutters, smooth-finish walls, designer lighting, custom built-ins, and a striking linear fireplace with black and white quartz surround. The chef's kitchen impresses with double-stacked shaker cabinetry, quartz countertops, gas cooktop, oversized dining island with storage, and custom walk-in pantry. The first-floor owner's retreat is a true sanctuary, complete with a custom-designed closet and spa-inspired bath featuring a freestanding soaking tub, zero-entry dual-head shower, and

Cost to own

Mortgage calculator

Home Price

$1,275,000

Down Payment: 20%

$255,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$6,501

Principal & Interest: $6,501

Property taxes (est.): $1,697

Insurance (est.): $850

Estimated Total Monthly

$9,047

*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$6,501

Property taxesest. at asking price, St. Johns County$1,697

HOAbilled annually$4

Estimated total, before insurance$8,202/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2022)

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

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 23, 2026Listed$1,275,000

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

Features

Price$1,275,000

Price / Sq Ft$314

Bedrooms6

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,064

Acres0.21 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated

Is WaterfrontYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address492 Shinnecock Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionHighpointe At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size9,147.6 sq ft

Parcel Number0007220370

Amenities

AmenitiesPool, Other, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Gas Cooktop, Microwave, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories2

LaundryIn Unit, Lower Level

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)

Spa FeaturesIn Ground