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Active·Listed today

37 Vicksburg Drive

St. Johns, FL 32259

$499,900$242/sqftEst. $2,573/moMLS# 2160361

Beds

Baths

2,068

Sq Ft

2020

Built

Garage

Pool

About this home

St. Johns

Welcome home to this beautiful 3 bedroom 2.5-bath home w/a 2 car garage in the highly sought after RiverTown community! Step inside to an inviting entryway featuring luxury vinyl plank flooring throughout the first floor, updated light fixtures & a convenient half bath. Spacious family room is filled w/natural light from an abundance of windows & features an electric fireplace w/a charming wood-beam mantle.The open concept kitchen offers gorgeous 42'' light gray cabinetry, abundant storage & a large island w/ seating for four; perfect for everyday living & entertaining. The spacious dining area features decorative picture frame molding, adding character & an upscale finishing touch, while overlooking the LARGE, lush backyard. One of the highlights of the home is the AMAZING walk in pantry with custom shelving and built-ins!Upstairs you'll find 3 spacious bedrooms, laundry room & a large loft, perfect for a playroom, home office or second living area. The generous primary suite features

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,573

Principal & Interest: $2,573

Property taxes (est.): $665

Insurance (est.): $333

Estimated Total Monthly

$3,571

*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$2,573

Property taxesest. at asking price, St. Johns County$665

HOAbilled annually$4

Estimated total, before insurance$3,242/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,055/yr · $671/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

2025 property taxes (current owner): $8,055/yr

Estimated taxes if purchased at asking price: ~$8,000/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.

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 2020)

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

Solar potential: ~1,712 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 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.

History

Price & status history

Aug 15, 2026Listed$499,900

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

Features

Price$499,900

Price / Sq Ft$242

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,068

Acres0.10 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address37 Vicksburg Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,356 sq ft

Parcel Number0007132570

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Oven, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories2

LevelsTwo

LaundryUpper Level

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