This home is in Highpointe At Rivertown, St. Johns — a waterfront home in St. Johns County.
Active·7 days on market·Highpointe At Rivertown
438 Shinnecock Drive
St. Johns, FL 32259
4 more homes for sale in Highpointe At Rivertown →Search Highpointe At Rivertown on the map
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About this home
Highpointe At Rivertown
Warm coastal style, inviting outdoor living, and a screened pool come together in coveted Highpointe at RiverTown. Built by MasterCraft Homes in 2022, this single-story home offers 2,495 square feet, 4 bedrooms, 3 baths, and a 3-car garage on a 0.22-acre pond lot. A Craftsman exterior, covered front porch, and long paver driveway create a welcoming first impression. Inside, warm luxury vinyl plank flooring, plantation shutters, 10-foot ceilings, and 8-foot solid-core doors give the home a comfortable, polished feel. The kitchen's pale ocean-blue glass tile backsplash brings a soft, beachy touch to white Shaker cabinetry, white quartz countertops, and a rich stained-wood island. A gas cooktop with range hood, double wall ovens, and a walk-in pantry with custom shelving make the space as practical as it is beautiful. Stacking sliding glass doors connect the great room to the covered paver lanai, while a French door provides additional access from the dining area. Beyond, the
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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.
- • 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.
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Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,769 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 homeAs of October 2026, 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (middle)about 17 mi · 80 parking spaces
Closest park or preserve
Alpine Groves Park12 min drive · 1 mi of trails
Closest public boat ramp
Old Shand's Bridge Public Boat Ramp (shallow water)about 4 mi · St. Johns River
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 4 mi · St. Johns River
Closest youth league fields
Rivertown II Athletic Complex11 min drive · Soccer, Baseball, Basketball, Football, Pickleball, Softball
Closest grocery store
Publix7 min drive · 205 Rivertown Shops Dr, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $637,812 | $505,392 | — |
Estimated taxes if purchased at asking price: ~$14,000/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Oct 15, 2026Listed$875,000
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 $252/sq ft; this home is listed at $351/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 246 Twin Flower Place, Jacksonville, FL 32259Listed by REAL BROKER LLC | Sep 2026 | $554,500 | $202 | 4/3.5 | 2,744 | 347 | 0.5 |
| 411 Footbridge Road, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $750,000 | $233 | 5/4 | 3,217 | 14 | 0.5 |
| 361 Pelton Place, St. Johns, FL 32259Listed by EXP REALTY LLC | Oct 2026 | $535,000 | $280 | 2/2 | 1,914 | 29 | 0.6 |
| 84 Pigeon Cove, St. Johns, FL 32259Listed by EXP REALTY LLC | Oct 2026 | $472,000 | $252 | 2/2 | 1,876 | 95 | 0.6 |
| 231 Footbridge Road, St. Johns, FL 32259Listed by REAL BROKER LLC | Sep 2026 | $550,000 | $239 | 3/2.5 | 2,305 | 5 | 0.6 |
| 148 Kellet Way, St. Johns, FL 32259Listed by EXP REALTY LLC | Sep 2026 | $565,000 | $292 | 2/2 | 1,932 | 6 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY LLC
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 Highpointe At Rivertown
Highpointe At Rivertown is a neighborhood in RiverTown, FL (St. Johns County), ZIP 32259.
View all Highpointe At Rivertown homes for sale →Keep looking
More homes in Highpointe At Rivertown
For Sale407 Shinnecock DriveSt. Johns, FL 32259
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For Sale492 Shinnecock DriveSt. Johns, FL 32259
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$1,225,000Est. $6,520/moProfessionally designed from top to bottom, this exceptional MasterCraft pool home offers luxury, flexibility, and…
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For Sale274 Shinnecock DriveSt. Johns, FL 32259
5 bd · 4.5 ba · 4,226 sq ft
$1,450,000Est. $7,718/moWelcome to luxury living in HighPointe at RiverTown! Built in 2024, this stunning MasterCraft Harper home offers 5…
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Krista Fracke
Broker Associate
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