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

This home is in St. Johns — a gated community home in St. Johns County.

Photo 1 / 98
Active

Active·50 days on market

135 Oak Park Drive

St. Johns, FL 32259

$999,950$418/sqftEst. $5,495/mo mortgageMLS# 2162999
3
Beds
2.5
Baths
2,394
Sq Ft
2024
Built
2.5
Garage
No
Pool
FEMA Zone XHOA $315/mo3,485 sqft lotWaterfrontTownhouse2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St. Johns

*TURNKEY* *RIVERFRONT* *THE ONLY DIRECT RIVERFRONT LARK MODEL AVAILABLE* MOVE RIGHT IN to elegant, LOW MAINTENANCE LUXURY overlooking the peaceful shores of the St. Johns River! Built in 2024 with almost $200K IN UPGRADES & located in the quaint, GATED, SHORES AT RIVERTOWN, this stylish home SHOWS LIKE A MODEL with ultimate beauty & modern convenience in mind! The main level is centered around the SOPHISTICATED KITCHEN- a chef's delight, offering a PREMIUM JENNAIR GOURMET KITCHEN SUITE, including 36'' INDUCTION COOKTOP & RISE 36'' FRENCH DOOR REFIREGRATOR, gorgeous Perimeter QUARTZ COUNTERS w/ an ENHANCED 6CM EDGE, high-end DESIGNER LIGHTING fixtures & generous WALK-IN PANTRY. Whether working from home in the CUSTOM-DESIGNED OFFICE SPACE or entertaining in the SPACIOUS LIVING or DINING ROOM, the TRIPLE SLIDING DOORS & WINDOWS invite serene , RIVER VIEWS framed by a chic neutral interior palette & light oak hardwood flooring throughout.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$5,495
Property taxesest. at asking price, St. Johns County$1,331
HOAbilled quarterly$315
Estimated total, before insurance$7,141/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,250/yr · $188/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

$999,950
$199,990
Loan Term
Monthly Payment
$5,495
Principal & Interest: $5,495
Property taxes (est.): $1,331
Insurance (est.): $667
Estimated Total Monthly
$7,492
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2024)

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

As of September 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$724,752$0—
2024$100,000$100,000—
2023$100,000$100,000—

2025 property taxes (current owner): $2,250/yr

Estimated taxes if purchased at asking price: ~$16,000/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 (2025), NEFMLS.

History

Price & status history

  • Sep 2, 2026Listed$999,950

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 $352/sq ft; this home is listed at $418/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
97 Oak Park Drive, St. Johns, FL 32259Listed by CHAD AND SANDY REAL ESTATE GROUPSep 2026$1,100,000$4594/2.52,39430
157 Oak Park Drive, St. Johns, FL 32259Listed by RE/MAX SPECIALISTSMar 2026$945,000$3953/2.52,394500
116 Arrowwood Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCApr 2026$549,000$2693/2.52,0435990.1
163 Oak Park Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCAug 2025$830,000$3473/2.52,3942690.1
119 Arrowwood Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCJun 2025$720,000$3523/2.52,0433650.1
123 Arrowwood Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLCJun 2025$720,000$3523/2.52,0433560.1

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$999,950
Price / Sq Ft$418
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,394
Acres0.08 acres
Year Built2024
TypeResidential
Sub-TypeTownhouse
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2.5
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

School Information

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

Community Information

Address135 Oak Park Drive, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionRivertown Shores
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size3,484.8 sq ft
Parcel Number0007271610
ZoningResidential

Amenities

AmenitiesPool, Barbecue, Basketball Court, Boat Dock, Boat Slip, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, Management- On Site, Marina, Park, Pickleball, Playground, Security, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Restaurant, Gated, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther, Attached, Garage, Garage Door Opener, Gated
ViewMarina, Pond, River, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Solar Tube(s), Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Ice Maker, Induction Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Electric, Zoned
CoolingCentral Air, Electric, Zoned
FlooringCarpet, Tile, Wood
# of Stories2
LevelsTwo
LaundryIn Unit, Sink, Upper Level
SecurityCarbon Monoxide Detector(s), Closed Circuit Camera(s), Entry Phone/Intercom, Key Card Entry, Security Fence, Security Gate, Security Lights, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony, Boat Slip, Dock, Fire Pit, Outdoor Kitchen, Tennis Court(s), Other
Lot DescriptionSprinklers In Front, Sprinklers In Rear, Wooded
Patio / PorchCovered, Front Porch, Rear Porch
FencingOther, Fenced, Back Yard, Full
RoofShingle
ConstructionConcrete
Other StructuresTennis Court(s)
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 2, 2026
Days on Market43
HOA Fees$944.43 / Quarterly
HOA FrequencyQuarterly
HOA NameShores at Rivertown POA
HOA Fee IncludesMaintenance Grounds, Pest Control
Tax Amount$2,250.44
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARSH VIEW REAL ESTATE

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.

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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines