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 new construction home in St. Johns County.

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Active

Active·4 days on market

38 Downing Drive

St. Johns, FL 32259

$271,990$211/sqftEst. $1,406/moMLS# 2163258

Beds

Baths

1,289

Sq Ft

2026

Built

—

Garage

Pool

About this home

St. Johns

Lot 121 - The kitchen takes center stage in this thoughtfully designed townhome, offering a modern, streamlined layout perfect for today's lifestyle. Step inside to a welcoming kitchen featuring a spacious island and breakfast bar that overlooks the dining and living areas, creating a seamless flow for everyday living and entertaining. The open-concept design provides plenty of room for gathering with family and friends, while a first-floor laundry room and powder bath add everyday convenience. Upstairs, the private owner's suite features an en-suite bath and is thoughtfully positioned across from two additional bedrooms, ideal for family, guests, a home office, or flexible living space. Located in RiverTown, a premier master-planned community along the St. Johns River, residents enjoy resort-style amenities, fitness facilities, parks, scenic trails, and year-round opportunities to connect, relax, and explore in beautiful Northeast Florida.

Cost to own

Mortgage calculator

Home Price

$271,990

Down Payment: 20%

$54,398

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,406

Principal & Interest: $1,406

Property taxes (est.): $362

Insurance (est.): $181

Estimated Total Monthly

$1,949

*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$1,406

Property taxesest. at asking price, St. Johns County$362

HOAbilled annually$4

Estimated total, before insurance$1,772/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.

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: ~1,758 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 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