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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$401,990

365 HARROW Cove, St. Johns, FL 32259, St. Johns, FL 32259

Rivertown - The Meadows

Price
$401,990
Beds / Baths
3 / 3
Living area
1,866 sqft
Year built
2026
Type
Townhouse
Lot
Garage
2
HOA
$4/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
4

$215/sqft asking, vs a $203/sqft median across 172 closed sales in 32259 over the last 12 months — 6% above the area's closed prices. Condition and lot vary; that's what a showing is for.

LOT 130 - Discover the Arden, a thoughtfully designed two-story home featuring 3 bedrooms, 2.5 baths, and a versatile loft, offering the perfect balance of open-concept living and private retreats. The spacious kitchen showcases a large breakfast bar and walk-in pantry while seamlessly connecting to the dining area and expansive Great Room, creating an inviting space for entertaining and everyday living. Sliding glass doors open to a covered lanai, extending the living area outdoors for year-round enjoyment. Upstairs, the private primary suite includes a walk-in closet and ensuite bath, while two secondary bedrooms, a full bath, loft, and convenient laundry room provide flexibility for family and guests. Located in RiverTown along the scenic St. Johns River, residents enjoy parks, lake and preserve views, miles of trails, and resort-style amenities designed for recreation, wellness, and connection in Northeast Florida.

What to check on this one

  • Verify final flood zone designation and elevation certificate requirement for this St. Johns address.
  • Confirm CDD bond payoff amount and remaining assessment schedule before closing.
  • Review HOA governing documents, architectural guidelines, and any rental restrictions.
  • Inspect all new construction warranties, builder punch-list items, and final inspections completed.
  • Clarify flood insurance requirements and obtain quotes based on final flood zone determination.

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$2,086/mo
Property tax (1.1% eff., St. Johns Co.)$368/mo
Homeowners insurance (est.)$292/mo
HOA$4/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$2,917/mo

Loan $321,592 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 MATTAMY REAL ESTATE SERVICES. Data via realMLS (Northeast Florida MLS), updated Aug 28, 2026, 11:00 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.