This home is in Rivertown - The Meadows, St. Johns — a new construction home in St. Johns County.
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Active·16 days on market·Rivertown - The Meadows
346 Harrow Cove
St. Johns, FL 32259
About this home
Rivertown - The Meadows
LOT 5 - The Warner is a spacious two-story townhome designed for modern living and effortless entertaining. The open-concept first floor features a well-appointed kitchen with a large island, walk-in pantry, dining area, and Great Room, creating a seamless flow for everyday life. Sliding glass doors lead to a covered lanai, extending the living space outdoors for relaxing or gathering with family and friends. Upstairs, the private primary suite includes a generous walk-in closet and ensuite bath, while two secondary bedrooms, a full bath, and a convenient laundry room provide comfort and flexibility. 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 designed for recreation, wellness, and connection, all surrounded by the natural beauty of Northeast Florida.
Cost to own
Mortgage calculator
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.
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 homeAs 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 26, 2026Listed$357,490
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
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).
Keep looking
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Active$357,490MLS# 2162003Est. $1,903/mo342 Harrow Cove, St. Johns, FL 322593 Beds2 Baths1,629 sqftLOT 4 - Discover the Warner, a spacious two-story townhome designed for modern living and effortless entertaining. The…
ResidentialMATTAMY REAL ESTATE SERVICES- Photos coming soonActive$357,490MLS# 2161992Est. $1,903/mo342 Harrow Cove, St. Johns, FL 322593 Beds2 Baths1,629 sqft
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines