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 home near Bartram Trail High School.

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Active

Active·6 days on market

305 Sternwheel Drive

St. Johns, FL 32259

$750,000$238/sqftEst. $3,876/moMLS# 2161848

Beds

Baths

3,148

Sq Ft

2008

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,876

Principal & Interest: $3,876

Property taxes (est.): $998

Insurance (est.): $500

Estimated Total Monthly

$5,374

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$3,876

Property taxesest. at asking price, St. Johns County$998

HOAbilled annually$4

Estimated total, before insurance$4,878/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,672/yr · $473/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): $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.

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 home

As 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.

History

Price & status history

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.

Features

Price$750,000

Price / Sq Ft$238

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,148

Acres0.10 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Traditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesWest

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address305 Sternwheel Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,356 sq ft

Parcel Number0007020040

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Detached, Garage

ViewWater

Waterfront TypePond