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 Rivertown Forest, St. Johns — a new construction home in St. Johns County.

No photos available

This listing has no photos yet

No photos available

This listing has no photos yet

Active

Active·Listed today·Rivertown Forest

79 Grand Lakes Drive

St. Johns, FL 32259

$489,000$229/sqftEst. $2,493/moMLS# 2157781

Beds

Baths

2,135

Sq Ft

2026

Built

Garage

Pool

About this home

Rivertown Forest

Lot 119 - The Sterling combines spacious first-floor living with private second-floor retreats. The open-concept kitchen features a large island overlooking the Great Room and dining area, creating a flexible space for everyday living, family gatherings, or entertaining. A breakfast nook offers a convenient spot for casual meals, while the lanai extends the living area outdoors and fills the home with natural light through expansive windows. Upstairs, a versatile loft can serve as a playroom, home office, fitness space, or media area. The owner's suite provides a peaceful retreat, thoughtfully separated from the secondary bedrooms by the loft for added privacy. With 2,135 square feet of well-designed living space, the Sterling is ideal for active families. Located along the St. Johns River, RiverTown offers resort-style amenities, scenic parks, lakes, nature preserves, and miles of trails, fostering an active and connected Northeast Florida lifestyle.

Cost to own

Mortgage calculator

Home Price

$489,000

Down Payment: 20%

$97,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,493

Principal & Interest: $2,493

Property taxes (est.): $651

Insurance (est.): $326

Estimated Total Monthly

$3,470

*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$2,493

Property taxesest. at asking price, St. Johns County$651

HOAbilled annually$4

Estimated total, before insurance$3,148/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 2026)

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 30, 2026Listed$489,000

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

Features

Price$489,000

Price / Sq Ft$229

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,135

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Direction FacesNortheast

Community Information

Address79 Grand Lakes Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0009691190

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management- On Site, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Freezer, Gas Range, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)