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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$750,000

305 STERNWHEEL Drive, St. Johns, FL 32259, St. Johns, FL 32259

Rivertown

Price
$750,000
Beds / Baths
5 / 4
Living area
3,148 sqft
Year built
2008
Type
Residential
Lot
0.1 ac
Garage
2
HOA
$4/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
0
Elementary
Hallowes Cove Academy
Middle
Hallowes Cove Academy
High school
Bartram Trail

A one-of-a-kind custom home on RiverTown's Main Street, with a full detached guest apartment, courtyard entertaining area and sweeping waterfront views. Southern Grace, Custom Craftsmanship: 305 Sternwheel Dr is the only home in all of RiverTown built by custom builder Cornerstone Homes, set apart on the quaint Main Street section of the community. The architecture carries true Southern style: deep front porch, gracious proportions, and a floor plan built for both everyday living and entertaining. This home has been meticulously maintained, with a new roof, a new gas water heater, newer AC units, and brand-new wood flooring across the main level. Every major system has been addressed, so the next owner starts with peace of mind, not a punch list. From the front porch and the upstairs balcony, the water views stretch out and change with the light throughout the day. The primary suite has its own private balcony, a quiet spot for morning coffee or watching the sun set over the water. Few homes in RiverTown offer this: a fully detached guest house above the garage, connected to the main home by an open-air courtyard. The guest house is a complete apartment with its own bedroom, bathroom, and kitchen, ideal for multigenerational living, long-term guests, or a private home office and studio. It's the kind of flexible living space buyers search for and rarely find in this community. Life on RiverTown's Main Street RiverTown is a riverfront, master-planned community along the St. Johns River in northwest St. Johns County, and the Main Street section places this home within walking distance of the neighborhood's daily rhythm. Residents have access to three amenity centers: the RiverClub sits directly on the St. Johns River with an oasis-style pool, waterfront dining, a fishing pier, a kayak and paddleboard launch, an amphitheater for concerts and movie nights, a game room, and a riverside boardwalk. The RiverHouse adds a resort-style pool with a corkscrew slide, a lap pool, a fitness center, tennis and basketball courts, and a soccer field. The RiverLodge features a man-made lagoon for kayaking and paddleboarding, its own resort-style pool, a lazy river, and a fitness center. Beyond the amenity centers, miles of nature trails and sidewalks connect the community's parks, wetlands, and preserves, along with a dog park, a biergarten, and an event lawn. Boating and fishing access to the St. Johns River is part of everyday life here, not a special occasion. Location: An Easy Commute Between Jacksonville and St. Augustine RiverTown sits near State Road 13 and Longleaf Pine Parkway, with direct access to I-95 and CR-210, putting both Jacksonville and Historic Downtown St. Augustine within a comfortable drive. Historic Downtown St. Augustine is roughly 23 miles away, and Jacksonville International Airport is approximately 43 miles from the community, generally 40 to 45 minutes by car. St. Johns Town Center, one of the region's premier shopping and dining destinations, along with Julington Creek Fish Camp and everyday grocery and service options, are just outside RiverTown's gates. Golfers have quick access to Cimarron Golf Club and St. Johns Golf Club, and World Golf Village in St. Augustine offers championship courses and a PGA Tour Academy. Regional healthcare is close by as well, with Baptist Health expanding its footprint along CR-210 with a new Silverleaf medical campus, in addition to existing Baptist Health and UF Health Flagler Hospital facilities in the greater Jacksonville and St. Augustine area. St. Johns County's more than 60 miles of Atlantic beaches, from Ponte Vedra Beach to St. Augustine Beach, are also within reach for a day on the sand. Schools in St. Johns County St. Johns County School District is consistently ranked among the top-performing districts in Florida. RiverTown has historically been zoned for Freedom Crossing Academy (K-8) and Bartram Trail High School, though St. Johns County has opened new schools and adjusted attendance boundaries in this area in recent years. Buyers should confirm current zoning for this address directly through the St. Johns County School District's attendance zone locator prior to closing. The Bottom Line 305 Sternwheel Dr pairs a custom-built, well-maintained Southern-style home with a feature that's genuinely rare in RiverTown: a private, fully equipped guest apartment across a courtyard from the main house. Add river views from two levels, resort-style community amenities, top-ranked St. Johns County schools, and an easy commute to both Jacksonville and St. Augustine, and this is a home built for how people actually want to live in RiverTown.

What to check on this one

  • Confirm roof age, materials, and warranty documentation given 'new roof' claim.
  • Obtain flood zone designation and elevation certificate for waterfront lot.
  • Verify CDD bond payoff amount and confirm no special assessments pending.
  • Review HOA/RiverTown covenants for short-term rental restrictions on guest apartment.
  • Confirm guest apartment legal status: ADU compliance, separate meter, tax implications.

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$3,892/mo
Property tax (1.1% eff., St. Johns Co.)$688/mo
Homeowners insurance (est.)$438/mo
HOA$4/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$5,189/mo

Loan $600,000 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 KELLER WILLIAMS ST JOHNS. Data via realMLS (Northeast Florida MLS), updated Sep 1, 2026, 2:10 PM.

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.