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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Jacksonville a waterfront home in St. Johns County.

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Active

Active·3 days on market

163 Wild Sage Drive

Jacksonville, FL 32259

$939,000$282/sqftEst. $4,973/moMLS# 2159235
$30,000 below original list
5
Beds
4.5
Baths
3,334
Sq Ft
2024
Built
3
Garage
No
Pool
FEMA Zone XHOA $4/mo10,454 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Jacksonville

ATTN!!!! 60K UNDER APPRAISAL USE TOWARDS A POOL !!! Welcome to this exceptional 5-bedroom, 4.5-bath residence offering 3,373 square feet of thoughtfully designed living space in the highly sought-after Arbors West section of Rivertown. Perfectly positioned on a premium waterfront homesite, this home captures spectacular sunset views while blending refined luxury with everyday comfort. Rich engineered hardwood flooring flows throughout the main living areas, creating a warm and sophisticated atmosphere. The open-concept kitchen is the heart of the home, featuring elegant quartz countertops, an oversized island with abundant storage, custom pantry shelving, and designer finishes that make everyday living and entertaining effortless. The spacious living and dining areas overlook the peaceful pond, providing the perfect backdrop for gathering with family and friends.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$4,973
Property taxesest. at asking price, St. Johns County$1,249
HOAbilled annually$4
Estimated total, before insurance$6,226/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,976/yr · $915/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$939,000
$187,800
Loan Term
Monthly Payment
$4,973
Principal & Interest: $4,973
Property taxes (est.): $1,250
Insurance (est.): $626
Estimated Total Monthly
$6,848
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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: material not specified — year not disclosed (home built 2024)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of August 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $10,976/yr

Estimated taxes if purchased at asking price: ~$15,000/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Sep 14, 2026Price change$939,000$10,000
  • Sep 1, 2026Price change$949,000$20,000
  • Aug 8, 2026Listed$969,000

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

Features

Price$939,000
Price / Sq Ft$282
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,334
Acres0.24 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes

Community Information

Address163 Wild Sage Drive, Jacksonville, FL 32259
Area302-Orangedale Area
SubdivisionRivertown
CityJacksonville
CountySt. Johns
StateFL
Zip Code32259
Lot Size10,454.4 sq ft
Parcel Number0007190460

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Pickleball, Playground, Security, Tennis Court(s)
UtilitiesCable Connected, Electricity Connected, Water Available
Water SourcePublic
ParkingGarage
Waterfront TypePond

Interior

AppliancesDisposal, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories2

Additional Information

Date ListedSeptember 19, 2026
Days on Market43
HOA Fees$50 / Annually
HOA FrequencyAnnually
Tax Amount$10,976.19
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC · judyrocksjax@gmail.com

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.

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.

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20+ years · 500+ closings · NE Florida

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