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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 Highpointe At Rivertown, St. Johns.

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Active·45 days on market·Highpointe At Rivertown

407 Shinnecock Drive

St. Johns, FL 32259

$899,000$300/sqftEst. $4,980/moMLS# 2162100
↓ $19,000 below original list
5
Beds
3
Baths
3,000
Sq Ft
2022
Built
3
Garage
No
Pool

3 more homes for sale in Highpointe At Rivertown →Search Highpointe At Rivertown on the map

FEMA Zone XHOA $4/mo9,148 sqft lotSingle Family Residence1 story

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About this home

Highpointe At Rivertown

Welcome to this Beautiful Single Level Home in the desirable RiverTown Community, offering luxury finishes, soaring ceilings & peaceful preserve views for exceptional privacy. This thoughtfully designed home features 4 bedrooms plus an office/optional 5th bedroom. The open floor plan showcases a gas fireplace with built-ins & a chef's kitchen with ceiling-height cabinetry, oversized island, open dining area & huge butler's pantry with additional storage. The spacious primary suite offers a luxurious ensuite bath, walk-in shower & huge -in closet with custom systems. There is a guest suite with a full bath & two additional bedrooms share a bath in a separate wing. Large laundry room off the mudroom & 3-car garage provide plenty of functionality. Enjoy RiverTown's resort-style amenities including pools, fitness center, tennis & pickleball courts, playgrounds & more!

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,980
Property taxesest. at asking price, St. Johns County$1,196
HOAbilled annually$4
Estimated total, before insurance$6,180/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,957/yr · $1,163/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$899,000
$179,800
Loan Term
Monthly Payment
$4,980
Principal & Interest: $4,980
Property taxes (est.): $1,196
Insurance (est.): $599
Estimated Total Monthly
$6,775
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2022)

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

Solar potential: ~1,750 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $13,957/yr

Estimated taxes if purchased at asking price: ~$14,400/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.

History

Price & status history

  • Oct 3, 2026Price change$899,000−$19,000
  • Aug 27, 2026Listed$918,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $239/sq ft; this home is listed at $300/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
460 Shinnecock Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$915,000$2814/33,258130
381 Shinnecock Drive, St. Johns, FL 32259Listed by EXP REALTY LLCAug 2026$1,010,000$3364/3.53,008720
246 Twin Flower Place, Jacksonville, FL 32259Listed by REAL BROKER LLCSep 2026$554,500$2024/3.52,7443470.4
411 Footbridge Road, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$750,000$2335/43,217140.5
231 Footbridge Road, St. Johns, FL 32259Listed by REAL BROKER LLCSep 2026$550,000$2393/2.52,30550.6
1120 Orange Branch Trail, St. Johns, FL 32259Listed by UNITED REAL ESTATE GALLERYAug 2026$509,900$2253/22,26810.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$899,000
Price / Sq Ft$300
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage3,000
Acres0.21 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address407 Shinnecock Drive, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionHighpointe At Rivertown
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size9,147.6 sq ft
Parcel Number0007220230
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Street Lights
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater, Water Softener Owned, Wine Cooler
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Patio / PorchFront Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Stone Veneer

Additional Information

Date ListedAugust 27, 2026
Days on Market37
HOA Fees$53 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds
Tax Amount$13,956.61
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Highpointe At Rivertown

Highpointe At Rivertown is a neighborhood in RiverTown, FL (St. Johns County), ZIP 32259.

View all Highpointe At Rivertown homes for sale →

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.

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20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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