This home is in St. Johns — a home near Bartram Trail High School.
Active Under Contract·51 days on market
305 Sternwheel Drive
St. Johns, FL 32259
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About this home
St. Johns
A one-of-a-kind custom home on RiverTown's Main Street, with a full detached guest apartment, courtyard entertaining area and sweeping waterfront views. Southern Grace, Custom Craftsmanship: 305 Sternwheel Dr is the only home in all of RiverTown built by custom builder Cornerstone Homes, set apart on the quaint Main Street section of the community. The architecture carries true Southern style: deep front porch, gracious proportions, and a floor plan built for both everyday living and entertaining. This home has been meticulously maintained, with a newer roof, a new gas water heater, newer AC units, and brand-new wood flooring across the main level. Every major system has been addressed, so the next owner starts with peace of mind, not a punch list. From the front porch and the upstairs balcony, the water views stretch out and change with the light throughout the day. The primary suite has its own private balcony, a quiet spot for morning coffee or watching the sun set over the water.
Next steps in RiverTown
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: Shingle — year not disclosed (home built 2008)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · JEA_Premises point dataset with CCB_DESCR like sewer · Public water · JEA_Premises point dataset with CCB_DESC like Water
County records show this parcel on central sewer served by JEA_Premises point dataset with CCB_DESCR like sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,723 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 homeAs of September 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (south)about 18 mi · 94 parking spaces
Closest park or preserve
Alpine Groves Park11 min drive · 1 mi of trails
Closest public boat ramp
Old Shand's Bridge Public Boat Ramp (shallow water)about 3 mi · St. Johns River
Closest kayak & paddleboard launch
Vera Francis Hall City Park Canoe Landingabout 4 mi · Governor's Creek
Closest youth league fields
Rivertown II Athletic Complex7 min drive · Soccer, Baseball, Basketball, Football, Pickleball, Softball
Closest grocery store
Publix8 min drive · 205 Rivertown Shops Dr, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:33 AM, sunset 6:49 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,672/yr
Estimated taxes if purchased at asking price: ~$12,000/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
- Oct 2, 2026Active Under Contract$750,000
- Sep 1, 2026Active$750,000
- Aug 25, 2026Listed$750,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $242/sq ft; this home is listed at $238/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 25 Perdido Street, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS | Oct 2026 | $599,000 | $242 | 4/3.5 | 2,471 | 3 | 0.2 |
| 52 Waterfront Drive, St. Johns, FL 32259Listed by MOMENTUM REALTY | Sep 2026 | $505,000 | $213 | 3/2 | 2,370 | 55 | 0.3 |
| 704 Kendall Crossing Drive, St. Johns, FL 32259Listed by EAGLES WORLD REALTY, INC | Aug 2026 | $525,000 | $227 | 3/2.5 | 2,316 | 16 | 0.4 |
| 225 Cloverbrook Road, St. Johns, FL 32259Listed by STELLAR PROPERTIES OF NORTH FL | Jul 2026 | $590,000 | $236 | 4/3 | 2,504 | 4 | 0.4 |
| 64 Noble Oak Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC | Oct 2026 | $832,097 | $269 | 5/4 | 3,090 | 0 | 0.6 |
| 19 Noble Oak Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC | Sep 2026 | $748,392 | $268 | 4/3 | 2,792 | 10 | 0.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
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.
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Krista Fracke
Broker Associate
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