This home is in Rivertown - The Meadows, St. Johns — a new construction home in St. Johns County.
Active·14 days on market·Rivertown - The Meadows
365 Harrow Cove
St. Johns, FL 32259
About this home
Rivertown - The Meadows
LOT 130 - Discover the Arden, a thoughtfully designed two-story home featuring 3 bedrooms, 2.5 baths, and a versatile loft, offering the perfect balance of open-concept living and private retreats. The spacious kitchen showcases a large breakfast bar and walk-in pantry while seamlessly connecting to the dining area and expansive Great Room, creating an inviting space for entertaining and everyday living. Sliding glass doors open to a covered lanai, extending the living area outdoors for year-round enjoyment. Upstairs, the private primary suite includes a walk-in closet and ensuite bath, while two secondary bedrooms, a full bath, loft, and convenient laundry room provide flexibility for family and guests. Located in RiverTown along the scenic St. Johns River, residents enjoy parks, lake and preserve views, miles of trails, and resort-style amenities designed for recreation, wellness, and connection in 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 28, 2026Active$401,990
- Aug 26, 2026Listed$401,990
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
More homes in Rivertown - The Meadows
Active$394,990MLS# 2162012Est. $2,102/mo341 Harrow Cove, St. Johns, FL 322593 Beds2 Baths1,866 sqftLOT 135 - Discover the Arden, a thoughtfully designed two-story home featuring 3 bedrooms, 2.5 baths, and a versatile…
ResidentialMATTAMY REAL ESTATE SERVICES
Active$394,990MLS# 2162009Est. $2,102/mo352 Harrow Cove, St. Johns, FL 322593 Beds2 Baths1,866 sqftLOT 6 - Discover the Arden, a thoughtfully designed two-story home featuring 3 bedrooms, 2.5 baths, and a versatile…
ResidentialMATTAMY REAL ESTATE SERVICES
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# 2161995Est. $1,903/mo346 Harrow Cove, St. Johns, FL 322593 Beds2 Baths1,629 sqft
LOT 5 - The Warner is a spacious two-story townhome designed for modern living and effortless entertaining. The…
ResidentialMATTAMY REAL ESTATE SERVICES
Keep looking
Similar homes in St. Johns
Explore the area
More in Rivertown - The Meadows
Rivertown - The Meadows guides & reports
Your Local Realtor
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 home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines