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This home is in St. Johns.

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Active·Listed today

454 Rittburn Lane

St. Johns, FL 32259

$670,000$218/sqftEst. $3,416/moMLS# 2157607
4
Beds
3
Baths
3,070
Sq Ft
2018
Built
3
Garage
No
Pool

About this home

St. Johns

Set on a rare pie-shaped homesite overlooking tranquil pond views, this beautifully appointed home blends thoughtful design, timeless finishes, and exceptional outdoor living into one unforgettable property. A welcoming covered front porch leads inside, where luxury vinyl plank flooring, white cabinetry, and recessed lighting create a bright, modern feel throughout the main living spaces. A main-level flex room offers endless possibilities as a home office, playroom, or second living area, while the elegant dining room is rich with character, featuring custom millwork, a wood plank ceiling, shiplap accent walls, an orb chandelier, and French doors opening to the lanai. Everyday living is made effortless with a thoughtfully designed mudroom complete with a built-in bench, coat hooks, storage cabinetry, and a stained wood countertop. At the heart of the home, the chef's kitchen combines style and function with white Shaker cabinetry, contemporary granite countertops, a stainless

Cost to own

Mortgage calculator

$670,000
$134,000
Loan Term
Monthly Payment
$3,416
Principal & Interest: $3,416
Property taxes (est.): $892
Insurance (est.): $447
Estimated Total Monthly
$4,754
*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$3,416
Property taxesest. at asking price, St. Johns County$892
HOAbilled monthly$50
Estimated total, before insurance$4,358/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 2018)

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

Solar potential: ~1,781 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

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 29, 2026Listed$670,000

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

Features

Price$670,000
Price / Sq Ft$218
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,070
Acres0.29 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address454 Rittburn Lane, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionLakes At Mill Creek Plantation
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size12,632.4 sq ft
Parcel Number0013620620

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Gas Cooktop
HeatingCentral
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesOutside
# of Stories2
LaundryIn Unit, Sink, Upper Level
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit, Outdoor Kitchen
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio, Screened
FencingOther, Back Yard, Full, Vinyl
RoofShingle
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedJuly 29, 2026
Days on Market0
HOA Fees$50 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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