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 Arbors At Rivertown, St. Johns — a home near Bartram Trail High School.

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Active·Listed today·Arbors At Rivertown

80 Walnut Glen Court

St. Johns, FL 32259

$649,900$226/sqftEst. $3,345/moMLS# 2159875

Beds

Baths

2,871

Sq Ft

2023

Built

Garage

Pool

About this home

Arbors At Rivertown

Are you looking for a home where your street comes with built-in friends and built-in fun? This home is exactly what you're looking for with Six functional rooms that include four full bedrooms. The primary ,two bedrooms , two bathrooms and an enclosed office downstairs and a fourth bedroom, bathroom and large open loft upstairs. main family room has plenty of room, large enough for a sectional and built-ins.Home includes beautiful, laminate flooring downstairs, white shaker cabinets, satin accents, quartz countertops and 10 foot ceilings. What really set this home apart from the rest is the lot,deep backyard setting with covered lanai, extended paver patio with fire pit seating and views of woods and nature a perfect setting to enjoy morning coffee or late night barbecues. all of this along with the community you've been searching for with three Community pools, clubhouses, gyms, gorgeous riverfront, sunset views, kayaking, and all the golf cart parades you'll love throughout the year

Cost to own

Mortgage calculator

Home Price

$649,900

Down Payment: 20%

$129,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,345

Principal & Interest: $3,345

Property taxes (est.): $865

Insurance (est.): $433

Estimated Total Monthly

$4,643

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$3,345

Property taxesest. at asking price, St. Johns County$865

HOAbilled annually$5

Estimated total, before insurance$4,214/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,343/yr · $862/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$568,811	$506,335	—
2024	$541,358	$491,358	—
2023	$100,000	$100,000	—
2022	$44,800	$44,800	—

2025 property taxes (current owner): $10,343/yr

Estimated taxes if purchased at asking price: ~$10,400/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 (2025), NEFMLS.

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 2023)

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

Solar potential: ~1,402 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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