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 Springs, St. Johns — a waterfront home in St. Johns County.

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Pending

Pending·6 days on market·Rivertown Springs

107 Wagonbrook

St. Johns, FL 32259

$1,054,760$236/sqftEst. $5,631/moMLS# 2166346

Beds

4.5

Baths

4,461

Sq Ft

2026

Built

Garage

Pool

13 more homes for sale in Rivertown Springs →Search Rivertown Springs on the map

HOA $4/moWaterfrontSingle Family Residence2 storiesNew construction

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Want to walk through this home this week?

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) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Rivertown Springs

LOT 17 - RiverTown is designed to connect its residents to the beautiful natural surroundings with neighborhood parks overlooking picturesque lakes and preserve, w/miles of trails.

Next steps in Rivertown Springs

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$5,631

Property taxesest. at asking price, St. Johns County$1,404

HOAbilled annually$4

Estimated total, before insurance$7,039/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

$1,054,760

Down Payment: 20%

$210,952

Interest Rate: 7.03%

Loan Term

Monthly Payment

$5,631

Principal & Interest: $5,631

Property taxes (est.): $1,404

Insurance (est.): $703

Estimated Total Monthly

$7,738

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:20 AM, sunset 7:12 PM.

The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
Winter afternoons on the lanai run dim earlier than any other orientation.

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 24, 2026Listed$1,054,760

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

Features

Price$1,054,760

Price / Sq Ft$236

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,461

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Direction FacesSouth

Community Information

Address107 Wagonbrook, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown Springs

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0009730170

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Gas Cooktop, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

Exterior

Patio / PorchCovered, Front Porch

RoofShingle

ConstructionFrame

Additional Information

Date ListedSeptember 24, 2026

Days on Market4

HOA Fees$53 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

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 Springs

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

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