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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Rivertown - The Meadows, St. Johns a new construction home in St. Johns County.

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Active

Active·14 days on market·Rivertown - The Meadows

338 Harrow Cove

St. Johns, FL 32259

$355,490$220/sqftEst. $1,846/moMLS# 2161988
3
Beds
2
Baths
1,617
Sq Ft
2026
Built
1
Garage
No
Pool

About this home

Rivertown - The Meadows

LOT 3 - Discover the Corbin, a thoughtfully designed two-story home that blends open-concept living with comfortable private spaces. The main level features a spacious kitchen with a center island, walk-in pantry, dining area, and Great Room, creating an ideal setting for everyday living and entertaining. Upstairs, the private primary suite offers a large walk-in closet and ensuite bath, while two secondary bedrooms, a full bath, and a conveniently located laundry room add functionality. A covered lanai extends the living space outdoors, perfect for relaxing or gathering with friends and family. Located in RiverTown along the scenic St. Johns River, residents enjoy neighborhood parks, lake and preserve views, miles of nature trails, and resort-style amenities that promote fitness, recreation, and connection, all surrounded by the natural beauty of Northeast Florida..

Cost to own

Mortgage calculator

$355,490
$71,098
Loan Term
Monthly Payment
$1,846
Principal & Interest: $1,846
Property taxes (est.): $473
Insurance (est.): $237
Estimated Total Monthly
$2,556
*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$1,846
Property taxesest. at asking price, St. Johns County$473
HOAbilled annually$4
Estimated total, before insurance$2,324/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.

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 2026)

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

Solar potential: ~1,767 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 28, 2026Active$355,490
  • Aug 26, 2026Listed$355,490

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

Features

Price$355,490
Price / Sq Ft$220
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,617
Year Built2026
TypeResidential
Sub-TypeTownhouse
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesSouthwest

Community Information

Address338 Harrow Cove, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionRivertown - The Meadows
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0007300030

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewTrees/Woods, Other

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionFrame

Additional Information

Date ListedAugust 28, 2026
Days on Market0
HOA Fees$53 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionYes

The neighborhood

About Rivertown - The Meadows

Rivertown - The Meadows is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Rivertown - The Meadows homes for sale →

Listing Courtesy of: MATTAMY REAL ESTATE SERVICES

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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