This home is in Riverwood, Ponte Vedra — a gated community home in St. Johns County.
Active·1 day on market·Riverwood
89 Forest Spring Drive
Ponte Vedra, FL 32081
About this home
Riverwood
PANORAMIC LAKE VIEWS and a stunning designer kitchen create an unforgettable first impression in this beautifully maintained Steel Creek model with Bonus Suite. From the moment you enter, your eye is drawn through the open living space to the sparkling water beyond. An extended screened paver lanai provides the perfect setting for morning coffee, beautiful sunrises and peaceful evenings by the lake. Inside, designer finishes give the home the look and feel of a model, highlighted by beautiful coastal lighting throughout. The kitchen is a true showstopper with a gorgeous leathered quartzite island, coastal white cabinetry, stainless appliances, French-door refrigerator, pantry and inviting cafe/breakfast nook. For added convenience, the main level features the spacious Owner's Suite with a spa-like bath, double vanity, walk-in closet and glass walk-in shower, plus a comfortable guest bedroom and full guest bath. Upstairs offers a private retreat with third bedroom, ensuite bath, walk-in
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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): $7,700/yr
Estimated taxes if purchased at asking price: ~$9,600/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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer & public water · JEA
County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,800 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 homeAs 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 15, 2026Active$599,900
- Sep 8, 2026Listed$599,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Riverwood
Riverwood is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.
View all Riverwood homes for sale →Listing Courtesy of: RE/MAX UNLIMITED
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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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 home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines