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 St. Johns — a home near Bartram Trail High School.

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Active

Active·Listed today

110 Pine Beach Drive

St. Johns, FL 32259

$529,900$279/sqftEst. $2,901/moMLS# 2168225

Beds

Baths

1,901

Sq Ft

2020

Built

Garage

Pool

HOA $4/mo6,970 sqft lotWaterfrontSingle Family Residence1 story

See it this week

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

St. Johns

Welcome home to this IMMACULATE, move-in ready home tucked away on a quiet cul-de-sac with a fully fenced backyard and beautiful LAKE TO PRESERVE VIEWS! This exceptionally clean and upgraded home shows better than a model and features an open concept floor plan with wood-look tile throughout, NO carpet! Enjoy 10-foot ceilings, 8-foot doors, quartz countertops, a butler's pantry, plantation shutters, luxury light fixtures, gas range, tankless gas water heater and full gutters. Custom woodworking accents throughout the home add warmth, character and a designer touch. The spacious owner's suite offers a relaxing retreat and features a custom walk-in closet with plenty of storage. Step outside to the extended screened lanai with pavers overlooking the peaceful lake and preserve. The spacious fenced backyard offers plenty of room for entertaining and is large enough to add a pool! Enjoy everything the RiverTown lifestyle has to offer with three incredible amenity centers, RiverClub

Next steps in RiverTown

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$2,901

Property taxesest. at asking price, St. Johns County$705

HOAbilled annually$4

Estimated total, before insurance$3,610/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

$529,900

Down Payment: 20%

$105,980

Interest Rate: 7.28%

Loan Term

Monthly Payment

$2,901

Principal & Interest: $2,901

Property taxes (est.): $705

Insurance (est.): $353

Estimated Total Monthly

$3,959

*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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 2020)

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

Solar potential: ~1,728 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

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

Oct 7, 2026Listed$529,900

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

Features

Price$529,900

Price / Sq Ft$279

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,901

Acres0.16 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address110 Pine Beach Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionRivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0007140190

Amenities

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

Community FeaturesSidewalks, Street Lights, Restaurant, Curbs

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewLake, Pond, Protected Preserve

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit

Exterior

Lot DescriptionCul-De-Sac

Patio / PorchFront Porch, Patio, Screened

FencingFenced, Back Yard

RoofShingle

ConstructionFiber Cement, Frame

Road SurfaceAsphalt

Road FrontageCounty Road

Additional Information

Date ListedOctober 7, 2026

Days on Market0

HOA Fees$53 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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.

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