Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Johns — a waterfront home in St. Johns County.

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Active

Active·3 days on market

3328 State Road 13 N

St. Johns, FL 32259

$1,500,000$535/sqftEst. $7,751/moMLS# 2163210

Beds

Baths

2,802

Sq Ft

1984

Built

Garage

Pool

About this home

St. Johns

Exceptional St. Johns River waterfront home with 96 feet of direct river frontage, permitted private dock, riparian rights and navigable access to the Atlantic Ocean via the St. Johns River. Set on approximately .57 acres, this 2,802 sq ft two-story 3 BR/2.5BA residence offers a 2-car garage, beautiful fireplace, private non-shared well, shoreline retaining wall and a majestic 500 year old live oak tree. Distinctive construction includes coral and cedar planks with substantial 2x6 cedar framing. Rich in Old World Florida charm, the home presents a unique opportunity to restore and renovate while preserving its distinctive character. Enjoy wide river views, spectacular sunsets, boating and fishing from your own backyard. Located in St. Johns County and served by one of Florida's highest-performing school districts. A rare opportunity to own true riverfront property on one of Northeast Florida's defining waterways.

Cost to own

Mortgage calculator

Home Price

$1,500,000

Down Payment: 20%

$300,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$7,751

Principal & Interest: $7,751

Property taxes (est.): $1,996

Insurance (est.): $1,000

Estimated Total Monthly

$10,747

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$7,751

Property taxesest. at asking price, St. Johns County$1,996

Estimated total, before insurance$9,747/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,496/yr · $375/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,496/yr

Estimated taxes if purchased at asking price: ~$24,000/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, NEFMLS.

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 1984)

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

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,300 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

History

Price & status history

Sep 3, 2026Listed$1,500,000

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

Features

Price$1,500,000

Price / Sq Ft$535

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,802

Total Structure Area3,930 sq ft

Acres0.55 acres

Year Built1984

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Other

Property ConditionFixer

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryFreedom Crossing Academy

MiddleSwitzerland Point

HighBeachside

Community Information

Address3328 State Road 13 N, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRemington Park

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size23,958 sq ft

Lot Dimensions96X231

Parcel Number0010100000

Amenities

UtilitiesElectricity Connected, Water Available

SewerSeptic Tank

Water SourcePrivate, Well

ParkingGarage, Garage Door Opener

ViewLake, Water

Waterfront TypeNavigable Water, Ocean Access, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Refrigerator

HeatingCentral

CoolingElectric, Multi Units

FlooringCarpet, Tile, Wood

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryLower Level