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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Rivertown Springs, St. Johns — a new construction home in St. Johns County.

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Sold

Sold·Closed May 29, 2026·20 days on market·Recent sales in Rivertown Springs·Rivertown Springs

95 Black Horse Way

St. Johns, FL 32259

$1,154,716sold priceListed at $1,056,633 · 109.3% of asking$264/sqftMLS# 2168220
5
Beds
4.5
Baths
4,375
Sq Ft
2026
Built
3
Garage
No
Pool

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

HOA $4/moSingle Family Residence2 storiesNew construction

About this home

Rivertown Springs

Lot 57 - The Sapphire is a stunning two-story home designed for modern living and effortless entertaining. A welcoming foyer leads to a bright Great Room and dining area, where a dramatic 16' hideaway glass door opens to the expandable lanai, creating seamless indoor-outdoor living. A private study near the entry offers a flexible space for work or hobbies, while a first-floor bedroom and full bath with a walk-in shower provide comfort for guests or multigenerational households. The chef-inspired kitchen features a spacious walk-in pantry, convenient morning kitchen, and views of the main living areas. Upstairs, the luxurious primary suite offers a spa-inspired bath and oversized walk-in closet, complemented by a versatile loft and three secondary bedrooms. Residents of RiverTown enjoy parks, lakes, trails, resort-style amenities, and a vibrant lifestyle along the scenic 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 · 7.4% · 30yr$6,396
Property taxesest. at asking price, St. Johns County$1,537
HOAbilled annually$4
Estimated total, before insurance$7,937/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

$1,154,716
$230,943
Loan Term
Monthly Payment
$6,396
Principal & Interest: $6,396
Property taxes (est.): $1,537
Insurance (est.): $770
Estimated Total Monthly
$8,702
*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

Northwest-facing backyard — summer sunsets, gentle days

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

  • The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
  • Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.

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

  • Oct 7, 2026Listed$1,056,633

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 $286/sq ft; this home is listed at $242/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
86 Black Horse Way, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESSep 2026$962,673$2864/3.53,368100
85 Black Horse Way, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESJul 2026$1,138,627$2605/4.54,375210
378 Sir Barton Drive, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICESJun 2026$849,000$2334/4.53,644740.3
3060 State Road 13 N, St. Johns, FL 32259Listed by REEF SHARK REALTY INCJun 2026$2,000,000$4204/44,76080.3
430 Summerset Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$1,200,000$3034/53,966181
517 S Bridge Creek Drive, St. Johns, FL 32259Listed by WATSON REALTY CORPAug 2026$979,000$2624/53,73141.1

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$1,056,633
Price / Sq Ft$242
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage4,375
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesSoutheast

Community Information

Address95 Black Horse Way, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionRivertown Springs
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0009730570

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
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Gas Cooktop, Microwave
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionDead End Street, Many Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame

Additional Information

Date ListedOctober 7, 2026
Days on Market20
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 Springs

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

View all Rivertown Springs homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 29, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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