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.

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Active

Active·92 days on market

244 Ruskin Drive

St. Johns, FL 32259

$514,900$213/sqftEst. $2,830/mo mortgageMLS# 2156891

↓ $10,100 below original list

Beds

2.5

Baths

2,413

Sq Ft

2021

Built

Garage

Pool

FEMA Zone XHOA $4/mo4,356 sqft lotSingle Family Residence2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St. Johns

*Open House - SATURDAY, 10/24 from 11-2PM!* Sellers offering $4,000 toward buyer's closing costs!! Beautifully upgraded and move-in ready! This 4-bedroom, 2.5-bath home in the highly desirable Northlake at Rivertown offers a private office, versatile loft, and thoughtful designer touches throughout. An upgraded front door welcomes you inside to tile flooring, elegant wainscoting, designer lighting fixtures and recessed lighting, while abundant windows fill the home with natural light. The kitchen features a large granite island, crisp white cabinetry with crown molding, stylish tile backsplash, coffee nook and a walk-in pantry with glass door. The open and inviting living room makes a statement with a custom floor-to-ceiling shiplap entertainment wall, decorative niches and an electric fireplace-perfect for both everyday living and entertaining. Retreat to the spacious owner's suite, complete with a huge walk-in closet and a spa-like en suite bath featuring a dual sink vanity and

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$2,830

Property taxesest. at asking price, St. Johns County$685

HOAbilled annually$4

Estimated total, before insurance$3,519/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$514,900

Down Payment: 20%

$102,980

Interest Rate: 7.32%

Loan Term

Monthly Payment

$2,830

Principal & Interest: $2,830

Property taxes (est.): $685

Insurance (est.): $343

Estimated Total Monthly

$3,858

*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2021)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,674 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Guana Reserve beach lot (middle)
about 18 mi · 80 parking spaces
Closest park or preserve
Alpine Groves Park
11 min drive · 1 mi of trails
Closest public boat ramp
Old Shand's Bridge Public Boat Ramp (shallow water)
about 4 mi · St. Johns River
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launch
about 4 mi · St. Johns River
Closest youth league fields
Rivertown II Athletic Complex
7 min drive · Soccer, Baseball, Basketball, Football, Pickleball, Softball
Closest grocery store
Publix
8 min drive · 205 Rivertown Shops Dr, Saint Johns

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

Oct 2, 2026Price change$514,900−$10,100
Jul 24, 2026Listed$525,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $239/sq ft; this home is listed at $213/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
231 Footbridge Road, St. Johns, FL 32259Listed by REAL BROKER LLC	Sep 2026	$550,000	$239	3/2.5	2,305	5	0.2
246 Twin Flower Place, Jacksonville, FL 32259Listed by REAL BROKER LLC	Sep 2026	$554,500	$202	4/3.5	2,744	347	0.3
132 Dahlia Falls Drive, St. Johns, FL 32259Listed by ROUND TABLE REALTY	Oct 2026	$510,000	$212	5/3	2,402	123	0.6
254 Crafton Circle, St. Johns, FL 32259Listed by NON MLS (realMLS)	Oct 2026	$524,756	$276	2/2	1,900	0	0.6
148 Kellet Way, St. Johns, FL 32259Listed by EXP REALTY LLC	Sep 2026	$565,000	$292	2/2	1,932	6	0.6
52 Waterfront Drive, St. Johns, FL 32259Listed by MOMENTUM REALTY	Sep 2026	$505,000	$213	3/2	2,370	55	0.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$514,900

Price / Sq Ft$213

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,413

Acres0.10 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

Zoned elementaryHallowes Cove Academy

Zoned middleHallowes Cove Academy

Zoned highBartram Trail High School

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.

Reported elementaryHallowes Cove Academy

Reported middleHallowes Cove Academy

Reported highBartram Trail

Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address244 Ruskin Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,356 sq ft

Parcel Number0007131420

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s), Water

Community FeaturesSidewalks

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewWater

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Upper Level, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit

Patio / PorchCovered, Patio, Rear Porch, Screened

FencingFenced, Back Yard, Full, Vinyl

RoofShingle

ConstructionFrame, Stucco

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJuly 24, 2026

Days on Market90

HOA Fees$53 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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