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196 ZEPHYR Drive, Saint Johns, FL, 32259

3beds
2baths
1,744sqft
$474,000
$272price/sqft
$3,119/moest. monthly cost
$124,760/yrincome needed

About This Home

This brand-new 2025 Toll Brothers Tideland floor plan is a must-see, offering a move-in-ready opportunity in the gated, riverfront community of Shores at Rivertown without the wait of new construction. Designed to stand apart from typical builder inventory, this home showcases modern, designer-level upgrades and a bright, high-contrast interior style that elevates every space. A spacious foyer and hallway welcome you inside, drawing your eye toward the expansive great room and casual dining area, all filled with natural light. Just beyond, a covered lanai extends the living space outdoors, creating an ideal setting for both relaxing and entertaining. At the heart of the home, the thoughtfully designed kitchen features a large center island with a breakfast bar, abundant counter space, a roomy pantry, modern cabinetry, and a striking designer backsplash. The split-bedroom layout offers both comfort and privacy. The primary suite is a true retreat, complete with a spa-inspired bath featuring dual vanities, an oversized luxury shower with double shower heads, a large walk-in closet, and a private water closet. Secondary bedrooms are generously sized with ample closet space and share a well-appointed hall bath. Additional highlights include a convenient everyday entry, centrally located laundry, and plenty of storage throughout. Tile and luxury vinyl plank flooring run seamlessly across the home, complementing the $94,000 in premium upgrades. A paver driveway leads to the attached two-car garage, which is equipped with a 240V outlet for electric vehicle charging. The home also includes installed gutters and is prepped for a future pool. Located just steps from scenic walking trails and a charming wooden bridge leading to the RiverTown RiverClub, this home offers both beauty and convenience. Shores at Rivertown blends luxury and comfort in a serene natural setting, complete with riverfront views and private boat slips for residents. The seller is offering $10,000. toward closing costs or a rate buy-down, adding even more value to this exceptional property. This is a rare opportunity to own a fully upgraded, modern home in one of the area's most desirable communities--available now and ready for you to enjoy.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

10/10
Trout Creek AcademyGrades K-83.2 mi
7/10
Bartram Trail High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 2025

Materials

  • Roof: Shingle

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Gas Cooktop,Microwave,Tankless Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Breakfast Bar,Entrance Foyer,Kitchen Island,Open Floorplan,Primary Bathroom - Shower No Tub,Split Bedrooms,Walk-In Closet(s)
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,744 sqft

Property

Details

  • Parcel number: 0007271920

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch,Rear Porch
  • Fencing: Other

Lot

  • Lot size: 4,791 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Inland Flooding
Lightning
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in St. Johns County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,396$28,752
Home Insurance *$230$2,760
Property Taxes $296$3,552
Electricity $197$2,366
Total$3,119$37,428
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,937/yr
40% on housing$93,570/yr
45% on housing$83,173/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$272This listing

vs Other Active Listings

Avg $/sqft

ZIP 32259$239
St. Johns County$292

vs Homes Sold Last Month

Median $/sqft

ZIP 32259$234
St. Johns County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-12Price change$489,990
2026-05-04Price change$499,990
2026-04-21Listed for sale$514,900
2025-05-02Listing removed$534,990
2025-04-18Listing removed$3,195
2025-03-28Price change$3,195
2025-03-15Listed for rent$3,395
2025-03-08Price change$534,990
2025-02-13Listed for sale$549,900
2025-01-29Sold$519,489
2025-01-28Listed for sale$565,000

For Sale by Agent

AgentTRACY NOTTINGHAM
BrokerageNOTTINGHAM REALTY AND RENTALS

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