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 home near Bartram Trail High School.

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Active·Listed today

156 Terra Oaks Drive

St. Johns, FL 32259

$799,000$281/sqftEst. $4,150/moMLS# 2164260

Beds

Baths

2,839

Sq Ft

2023

Built

Garage

Pool

About this home

St. Johns

This is not your typical RiverTown home. Built in 2023 and thoughtfully customized with distinctive designer details throughout, this single story residence offers 2,839 square feet, 4 bedrooms, 3 baths, a dedicated office, versatile flex space, and a 3 car garage, all set on a generous 0.26 acre preserve view homesite. From the moment you arrive, the home feels special. A welcoming covered front porch features paver hardscape, ceiling fans, and a stained wood slat privacy screen. Inside, engineered hardwood flooring, Roman shades, custom millwork, and carefully selected finishes create a warm, sophisticated look rarely found in newer construction. Designed with both everyday living and entertaining in mind, the open and airy great room features a tray ceiling with crown molding, charcoal stained shiplap accent wall, custom built in cabinetry, and expansive panoramic sliding doors that showcase the peaceful preserve beyond. At the heart of the home, the kitchen is as functional as it

Cost to own

Mortgage calculator

Home Price

$799,000

Down Payment: 20%

$159,800

Interest Rate: 6.76%

Loan Term

Monthly Payment

$4,150

Principal & Interest: $4,150

Property taxes (est.): $1,063

Insurance (est.): $533

Estimated Total Monthly

$5,746

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$4,150

Property taxesest. at asking price, St. Johns County$1,063

HOAbilled annually$4

Estimated total, before insurance$5,218/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,738 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

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 10, 2026Listed$799,000

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

Features

Price$799,000

Price / Sq Ft$281

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,839

Acres0.26 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address156 Terra Oaks Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionManor At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size11,325.6 sq ft

Parcel Number0007250090

Amenities

AmenitiesPool, Other, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories1

LaundryIn Unit

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)