Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$449,000

236 ZEPHYR Drive, St. Johns, FL 32259, St. Johns, FL 32259

Rivertown Shores

Price
$449,000
Beds / Baths
2 / 2
Living area
1,665 sqft
Year built
2026
Type
Residential
Lot
0.11 ac
Garage
2
HOA
$136/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
110

$270/sqft asking, vs a $221/sqft median across 2,395 closed sales in 32259 over the last 12 months — 22% above the area's closed prices. Condition and lot vary; that's what a showing is for.

This single-story Water Lily by Toll Brothers delivers an open-concept layout with zero wasted space, just beautifully connected living areas with LVP flooring throughout. Tray ceilings in the great room add volume and elegance, while designer light fixtures elevate every space. The gourmet kitchen impresses with two-toned cabinets, an enhanced island, oversized pantry, and polished chrome fixtures, perfect for the home chef who loves to entertain. Retreat to your expanded primary suite featuring a tray ceiling and plush upgraded carpet, designed as a true private sanctuary. The flex space offers endless possibilities as a home office, guest room, or hobby space. Step outside to your covered lanai, ideal for year-round outdoor living. An expanded driveway adds everyday convenience, and minimal yard maintenance means your free time is spent enjoying RiverTown's resort-style amenities and waterfront recreation on the St. Johns River. Limited boat slips available! Call to tour today!

What to check on this one

  • Verify CDD bond payoff amount and remaining assessment timeline.
  • Confirm HOA $136/mo covers what; check RiverTown amenities access rules.
  • Get builder warranty details and transferability to next owner.
  • Confirm flood zone designation and obtain elevation certificate if AE/VE.
  • Review builder's structural/mechanical warranties and claim process.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$2,330/mo
Property tax (1.1% eff., St. Johns Co.)$412/mo
Homeowners insurance (est.)$292/mo
HOA$136/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$3,337/mo

Loan $359,200 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of JACKSONVILLE TBI REALTY, LLC. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 6:46 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.