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 Under Contract

Active Under Contract·46 days on market

120 Calumet Drive

St. Johns, FL 32259

$615,000$219/sqftEst. $3,380/mo mortgageMLS# 2163726

↓ $45,000 below original list

Beds

Baths

2,807

Sq Ft

2018

Built

Garage

Pool

FEMA Zone XHOA $4/mo6,970 sqft lotWaterfrontSingle Family Residence2 stories

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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

Tucked into the sought-after RiverTown community, this inviting 4-bedroom, 3-bath home pairs thoughtful design with a peaceful pond and wooded backdrop. Inside, the open-concept layout features tile floors throughout the main living areas and a retractable screened lanai made for enjoying Florida evenings and serene views. The primary suite overlooks the pond and offers a spacious shower and walk-in closet. A French-door office provides a quiet workspace, while upstairs, a roomy loft and private fourth bedroom with full bath create the perfect guest retreat. Tropical landscaping adds charm out front. Enjoy RiverTown's resort-style lifestyle with three amenity centers, fitness facilities, playgrounds, trails, plus nearby shopping and dining. Lender credit up to 1% of the loan amount toward closing costs, prepaids, or rate buydown when financing with preferred lender. Offer subject to loan approval. Terms and conditions apply.

Next steps in RiverTown

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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 · 7.32% · 30yr$3,380

Property taxesest. at asking price, St. Johns County$818

HOAbilled annually$4

Estimated total, before insurance$4,202/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,769/yr · $647/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

Home Price

$615,000

Down Payment: 20%

$123,000

Interest Rate: 7.32%

Loan Term

Monthly Payment

$3,380

Principal & Interest: $3,380

Property taxes (est.): $818

Insurance (est.): $410

Estimated Total Monthly

$4,608

*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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2018)

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

Solar potential: ~1,737 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.

Around this address

Nearby, from public data

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

Closest beach parking
Guana Reserve beach lot (middle)
about 17 mi · 80 parking spaces
Closest park or preserve
Alpine Groves Park
about 3 mi · 1 mi of trails
Closest public boat ramp
Old Shand's Bridge Public Boat Ramp (shallow water)
about 4 mi · St. Johns River
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launch
about 3 mi · St. Johns River
Closest youth league fields
Switzerland Point Park
about 2 mi · Baseball, Football, Lacrosse, Softball, Track
Closest grocery store
Publix
about 1.0 mi · 205 Rivertown Shops Dr, Saint Johns

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

2025 property taxes (current owner): $7,769/yr

Estimated taxes if purchased at asking price: ~$9,800/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 18, 2026Active Under Contract$615,000
Oct 6, 2026Price change$615,000−$30,000
Sep 21, 2026Price change$645,000−$15,000
Sep 6, 2026Listed$660,000

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 $237/sq ft; this home is listed at $219/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
617 Luminous Avenue, St. Johns, FL 32259Listed by PULTE REALTY OF NORTH FLORIDA, LLC.	Aug 2026	$544,000	$237	5/3	2,296	73	0.5
91 Walnut Glen Court, St. Johns, FL 32259Listed by GIVE BACK REALTY, LLC.	Sep 2026	$700,000	$214	5/4	3,271	46	0.6
460 Shinnecock Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY	Sep 2026	$915,000	$281	4/3	3,258	13	0.7
411 Footbridge Road, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY	Sep 2026	$750,000	$233	5/4	3,217	14	0.7
246 Twin Flower Place, Jacksonville, FL 32259Listed by REAL BROKER LLC	Sep 2026	$554,500	$202	4/3.5	2,744	347	0.8
231 Footbridge Road, St. Johns, FL 32259Listed by REAL BROKER LLC	Sep 2026	$550,000	$239	3/2.5	2,305	5	0.9

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$615,000

Price / Sq Ft$219

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,807

Acres0.16 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

Zoned elementaryHallowes Cove Academy

Zoned middleHallowes Cove Academy

Zoned highBartram Trail High School

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

Address120 Calumet Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0007032320

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Front Porch, Rear Porch

RoofShingle

ConstructionFrame

Additional Information

Date ListedSeptember 6, 2026

Days on Market42

HOA Fees$53 / Annually

HOA FrequencyAnnually

Tax Amount$7,769.18

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

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.

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120 Calumet Drive

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True monthly cost

Mortgage calculator

Florida Reality Check

Nearby, from public data

Taxes & assessment

Price & status history

What sold nearby

Features

School Information

Community Information

Amenities

Interior

Exterior

Additional Information

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