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 St. Johns — a gated community home in St. Johns County.

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Active

Active·Listed today

97 Oak Park Drive

St. Johns, FL 32259

$1,100,000$459/sqftEst. $5,655/moMLS# 2161547

Beds

Baths

2,394

Sq Ft

2024

Built

Garage

Pool

About this home

St. Johns

**PREMIUM RIVER VIEW**TURNKEY HOME**ENTIRE HOME IS CUSTOM**The luxury of ''already finished'' to a level all its own. The ONLY one of its kind. Simply arrive. Designed beyond builder-grade luxury, this home has been thoughtfully reimagined to expand and enrich every space. This is a rare opportunity to purchase the finished vision rather than potential. From the moment you enter, the difference is unmistakable. Custom iron-and-glass doors open to a beautifully appointed first-floor home office, while 9'' plank wood floors, designer details, and custom window treatments elevate the home throughout. The stunning kitchen is designed to impress, featuring Taj Mahal countertops, a Wolf oven & speedoven, state-of-the-art Induction Cooktop and 48'' Sub-Zero refrigerator to add to the gourmet kitchen experience, an EXPANDED ISLAND with built in wine cooler, and ABUNDANT CUSTOM CABINETRY put the finial touches on this LUXURIOUS kitchen. The open-concept living area is anchored by a striking 3-

Cost to own

Mortgage calculator

Home Price

$1,100,000

Down Payment: 20%

$220,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,655

Principal & Interest: $5,655

Property taxes (est.): $1,464

Insurance (est.): $733

Estimated Total Monthly

$7,852

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$5,655

Property taxesest. at asking price, St. Johns County$1,464

HOAbilled quarterly$315

Estimated total, before insurance$7,434/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,398/yr · $950/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): $11,398/yr

Estimated taxes if purchased at asking price: ~$17,600/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2024)

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

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 28, 2026Active$1,100,000
Aug 24, 2026Listed$1,100,000

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

Features

Price$1,100,000

Price / Sq Ft$459

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,394

Acres0.08 acres

Year Built2024

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Direction FacesNortheast

School Information

ElementaryPatriot Oaks Academy

MiddlePatriot Oaks Academy

HighCreekside

Community Information

Address97 Oak Park Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Shores

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size3,484.8 sq ft

Parcel Number0007271560

ZoningResidential

Amenities

AmenitiesPool, Other, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Off Street

ViewPond, River

Waterfront TypeNavigable Water, Ocean Access, Pond, River Front

Interior

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

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesOther, Electric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

SecuritySecurity System Owned