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This home is in St. Johns — a home near Bartram Trail High School.

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180 Spruce Hill Point

St. Johns, FL 32259

$479,000$229/sqftEst. $2,463/moMLS# 2162083

Beds

Baths

2,091

Sq Ft

2025

Built

Garage

Pool

About this home

St. Johns

Like new and move-in ready! This beautifully maintained 3-bedroom, 2.5-bath home with a spacious bonus/loft area is located in the desirable Bluffs at RiverTown. The downstairs features a large, open living space designed for everyday living and entertaining. The fully equipped kitchen opens to the dining and family rooms and features 42-inch white cabinetry, tile backsplash, a large island with breakfast bar, and an oversized walk-in pantry offering plenty of storage. Just off the dining area, sliding glass doors lead to the screened lanai overlooking the large, fully fenced backyard. With a peaceful preserve backdrop and plenty of room to enjoy the outdoors, this is a backyard you'll love! Upstairs, you'll find a spacious loft/bonus area, perfect for movie nights, a kids' playroom, home office, or additional living space. The owner's suite is generously sized and features a large walk-in closet and private bath with dual vanities and a walk-in shower. Conveniently located just off

Cost to own

Mortgage calculator

Home Price

$479,000

Down Payment: 20%

$95,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,463

Principal & Interest: $2,463

Property taxes (est.): $637

Insurance (est.): $319

Estimated Total Monthly

$3,419

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,463

Property taxesest. at asking price, St. Johns County$637

HOAbilled annually$4

Estimated total, before insurance$3,104/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2025)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 27, 2026Listed$479,000

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

Features

Price$479,000

Price / Sq Ft$229

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,091

Acres0.13 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleGamble Rogers

HighBartram Trail

Community Information

Address180 Spruce Hill Point, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Bluffs

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size5,662.8 sq ft

Parcel Number0009710170

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)