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This home is in Rivertown Forest, St. Johns — a waterfront home in St. Johns County.

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Active

Active·Listed today·Rivertown Forest

98 Grand Lakes Drive

St. Johns, FL 32259

$439,990$253/sqftEst. $2,330/moMLS# 2165420

Beds

Baths

1,738

Sq Ft

2026

Built

Garage

Pool

HOA $4/moWaterfrontSingle Family Residence1 storyNew construction

About this home

Rivertown Forest

Lot 276 - The Blair floorplan offers a well-designed layout that combines elegance and functionality, ideal for comfortable living and entertaining. Upon entering, a welcoming foyer with a coat closet and a stop-and-drop area keeps things organized. The open-concept kitchen, dining, and Great Room create a spacious and inviting atmosphere for gatherings and everyday living. A versatile study in lieu of flex room provides options for a sitting area, office, or workout space. The owner's suite serves as a private retreat, featuring natural light, a spacious walk-in closet, and a spa-inspired bathroom. Two additional bedrooms share a full bath conveniently located near the dining area. In RiverTown, residents enjoy resort style amenities, parks, lakes, nature preserves, and scenic trails along the St. Johns River.

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$2,330

Property taxesest. at asking price, St. Johns County$585

HOAbilled annually$4

Estimated total, before insurance$2,920/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$439,990

Down Payment: 20%

$87,998

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,330

Principal & Interest: $2,330

Property taxes (est.): $586

Insurance (est.): $293

Estimated Total Monthly

$3,209

*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.

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 2026)

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

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 18, 2026Listed$439,990

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

Features

Price$439,990

Price / Sq Ft$253

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,738

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Direction FacesNortheast

Community Information

Address98 Grand Lakes Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0009692760

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management- On Site, Park, Pickleball, Playground, Tennis Court(s)

Community FeaturesSidewalks, Street Lights, Restaurant, Curbs

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Gas Range, Microwave

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

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

Exterior

Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Patio, Rear Porch

RoofShingle

ConstructionFiber Cement, Frame

Additional Information

Date ListedSeptember 18, 2026

Days on Market0

HOA Fees$53 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan, Other

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: MATTAMY REAL ESTATE SERVICES · Matt.Berkis@mattamycorp.com

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.

The neighborhood

About Rivertown Forest

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

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