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

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Pending

Pending·18 days on market·Rivertown Forest

275 Holly Creek Drive

St. Johns, FL 32259

$597,044$229/sqftEst. $3,307/moMLS# 2165998

Beds

Baths

2,603

Sq Ft

2026

Built

Garage

Pool

47 more homes for sale in Rivertown Forest →Search Rivertown Forest on the map

HOA $4/moWaterfrontSingle Family Residence1 storyNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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

Rivertown Forest

Lot 31 - Set along the St. Johns River, RiverTown offers parks, lakes, preserves, and miles of scenic trails for active, connected living in Northeast Florida.

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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 · 7.4% · 30yr$3,307

Property taxesest. at asking price, St. Johns County$794

HOAbilled annually$4

Estimated total, before insurance$4,106/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

$597,044

Down Payment: 20%

$119,409

Interest Rate: 7.40%

Loan Term

Monthly Payment

$3,307

Principal & Interest: $3,307

Property taxes (est.): $795

Insurance (est.): $398

Estimated Total Monthly

$4,500

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
The coolest diagonal for a lanai; a pool here trades warmth for comfort.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

Sep 22, 2026Listed$597,044

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 $225/sq ft; this home is listed at $229/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
204 Holly Creek Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$619,000	$207	4/2.5	2,987	0	0.1
365 Holly Creek Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$672,758	$225	5/4	2,987	11	0.1
86 Black Horse Way, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$962,673	$286	4/3.5	3,368	10	0.2
434 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Oct 2026	$468,432	$223	3/2.5	2,096	18	0.3
457 Appalachian Trail, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Oct 2026	$532,000	$212	5/3	2,511	57	0.3
326 Sir Barton Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$750,000	$277	3/3	2,705	173	0.3

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$597,044

Price / Sq Ft$229

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,603

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Direction FacesSouthwest

Community Information

Address275 Holly Creek Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0009690310

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, Gas Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Patio

RoofShingle

ConstructionFiber Cement, Frame

Additional Information

Date ListedSeptember 22, 2026

Days on Market18

HOA Fees$53 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan, Other

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: MATTAMY REAL ESTATE SERVICES

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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