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This home is in Riverside At Rivertown, St. Johns a pool home in St. Johns County.

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Active

Active·Listed today·Riverside At Rivertown

237 Fells Cove

St. Johns, FL 32259

$1,650,000$443/sqftEst. $8,738/moMLS# 2164536
4
Beds
4.5
Baths
3,724
Sq Ft
2020
Built
3
Garage
Yes
Pool

About this home

Riverside At Rivertown

''FIVE STAR RESORT-LIKE OUTDOOR LIVING SPACE'' complements this custom residence within an outstanding 21 home gated community at Riverside at Rivertown! The community features estate-like custom homes with 1/2 acre+ lots. The home features a stunning saltwater pool/spa with lounge seating as well as an outdoor wood burning fireplace, summer kitchen and 24k whole house Generac. In/Out Sonos Sound. Beautifully landscaped lawn with accent lighting of birches, dune grasses, ferns, and over 200 exotic day lilies. Interior features include wood floors, plantation shutters, custom built-ins, extensive trim, coffered ceiling, custom closets, bedroom suites with private baths, upgraded lighting and laundry with new comfort height LG washer and dryer. Chef's dream kitchen features Thermador appliances, farm sink, walk-in pantry, quartz, and custom cabinetry. Private owners wing features bay window, door to lanai, tray ceiling, his and hers closets, dressing mirror, and free standing tub!

Cost to own

Mortgage calculator

$1,650,000
$330,000
Loan Term
Monthly Payment
$8,738
Principal & Interest: $8,738
Property taxes (est.): $2,196
Insurance (est.): $1,100
Estimated Total Monthly
$12,033
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 · 6.95% · 30yr$8,738
Property taxesest. at asking price, St. Johns County$2,196
HOAbilled annually$200
Estimated total, before insurance$11,133/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,965/yr · $747/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): $8,965/yr

Estimated taxes if purchased at asking price: ~$26,300/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 2020)

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

Solar potential: ~1,528 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

Price & status history

  • Sep 17, 2026Active$1,650,000
  • Sep 11, 2026Listed$1,650,000

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

Features

Price$1,650,000
Price / Sq Ft$443
Bedrooms4
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,724
Total Structure Area5,307 sq ft
Acres0.57 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Fenced, Heated, Salt Water
Is WaterfrontNo
Gated CommunityYes
Direction FacesNorthwest

School Information

Community Information

Address237 Fells Cove, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionRiverside At Rivertown
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size24,829.2 sq ft
Lot Dimensions62x164x198x209
Parcel Number0007110160
ZoningResidential

Amenities

AmenitiesOther
UtilitiesCable Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Available, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage Door Opener, Gated
ViewRiver, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Smart Home, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesConvection Oven, Disposal, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned, Wine Cooler
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Stone, Tile, Wood
FireplaceYes
# of Fireplaces2
Fireplace FeaturesGas, Outside, Wood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Sink, Washer Hookup
Security24 Hour Security, Security Lights, Smoke Detector(s)
Spa FeaturesIn Ground, Heated

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionCul-De-Sac, Dead End Street, Sprinklers In Front, Sprinklers In Rear, Wooded
Patio / PorchCovered, Front Porch
FencingOther, Back Yard
RoofShingle
ConstructionFiber Cement
Road SurfacePaved
Road FrontageState Road

Additional Information

Date ListedSeptember 17, 2026
Days on Market0
HOA Fees$2,400 / Annually
HOA FrequencyAnnually
HOA NameRiverside at Rivertown Homeowners Assn.
HOA Fee IncludesMaintenance Grounds, Other
Tax Amount$8,964.8
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

The neighborhood

About Riverside At Rivertown

Riverside At Rivertown is a neighborhood in RiverTown, FL (St. Johns County), ZIP 32259.

View all Riverside At Rivertown homes for sale →

Listing Courtesy of: US REALTY HUB

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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