128 Zephyr Drive, St. Johns, FL 32259
As of October 6, 2026, 128 ZEPHYR Drive in Rivertown, St. Johns is listed at $599,900 (2,140 sq ft, about $280 per sq ft). That sits within a few percent of Rivertown's median closed sale of $552,575 over the last 12 months (261 recorded sales). Per square foot it is above the community's recent $238/sq ft by about 18%. It came to market within the past week. Listing facts: built in 2024, HOA dues of $136/mo, a CDD assessment of about $1,900/yr. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- CDD assessment ~$1,900/yr
- Built 2024 · 2 yrs
- 2,140 sq ft of living area
- 2-car garage
- Active listing
- HOA $136/mo (per listing)
About this home
LIVE THE RIVERFRONT LIFESTYLE IN RIVERTOWN SHORES! Welcome to this beautiful Toll Brothers home in the breathtaking community of Rivertown Shores, the neighborhood is perfectly situated along the scenic St. Johns River.
For the boating enthusiast, boat docks are available for purchase, giving you the opportunity to walk to your boat each day and enjoy spectacular river sunsets. This is truly a boater's dream! This exceptional 3-bedroom plus den (or optional 4th bedroom) home with loft offers an impressive combination of luxury, functionality, and indoor-outdoor living.
A stunning two-story foyer welcomes you into an open and bright floor plan featuring a spacious dining area and living room with triple sliding glass doors that open to the large lanai and beautifully private, fenced backyard—perfect for entertaining or simply relaxing. Appointed with over $80K in upgrades, home offers a chef-inspired kitchen is designed to impress, featuring a large center island, double-stacked... cabinetry with crown molding, soft-close drawers, designer backsplash, gas cooktop, and quartz countertops, providing both style and exceptional storage.
The versatile den features French doors and can easily serve as a home office, flex space, or 4th bedroom. A convenient half bath is located downstairs for guests. Upstairs, the loft provides even more space for a media room, playroom, office, or additional living area.
The garage is equipped with epoxy flooring and storage racks, offering a clean, organized space for vehicles, recreational equipment, and additional storage. And then there's the lifestyle! Rivertown Shores offers an incredible resort-style amenity package, including a beautiful restaurant and pavilion overlooking the St.
Johns River, multiple clubhouses, 2 fitness centers, 4 pools, a lazy river, tennis courts, 6 jogging/walking trails, parks, and more. Enjoy scenic walking trails along the river, exceptional dining, and endless opportunities to enjoy the outdoors—all within your own community. Whether you're looking for a full-time residence, a place to entertain family and friends, or the ultimate Florida lifestyle, this stunning Rivertown Shores home offers it all—luxury, privacy, resort-style amenities, and the St.
Johns River right at your doorstep. Come live where every day feels like a vacation!
All 65 photos
Description provided by RE/MAX UNLIMITED and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $3,284/mo 75%
- Taxes $617/mo 14%
- Insurance $166/mo 4%
- HOA $136/mo 3%
- CDD $158/mo 4%
$4,361/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: St. Johns County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
This home’s history
- 2024BuiltPer public record
- Oct 6, 2026First seen on movewithmomentum.comObserved at $599,900
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
No closed sales of a similar home within about 10 miles in St. Johns County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for Rivertown. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in St. Johns County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 2,140 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 6, 2026.
Momentum Property Score
47/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $280 per square foot, about 18% above the community’s $238 median. Rivertown’s 12-month median sold price per square foot is $238. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 128 ZEPHYR Drive?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by RE/MAX UNLIMITED · MLS # 2168083
Request a showing
Similar homes for sale near Rivertown
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in Rivertown
- 8 Park Avenue · $959,000 · 2 bd / 2.5 ba · listed October 6, 2026 (courtesy of PONTE VEDRA CLUB REALTY, INC.)
- 2459 S Ponte Vedra Boulevard · $3,150,000 · 5 bd / 5.0 ba · listed October 6, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS)
- 1048 Buttercup Drive · $570,000 · 4 bd / 3.0 ba · listed October 6, 2026 (courtesy of COLDWELL BANKER VANGUARD REALTY)
- 624 Porto Cristo Avenue · $379,000 · 4 bd / 2.0 ba · listed October 6, 2026 (courtesy of NEMETHY REAL ESTATE GROUP LLC)
- 29 Players Club Villas Road · $795,000 · 3 bd / 3.0 ba · listed October 6, 2026 (courtesy of BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY)
- 695 N A1A #147 · $295,000 · 3 bd / 2.5 ba · listed October 6, 2026 (courtesy of COLDWELL BANKER VANGUARD REALTY)
Recently off market in Rivertown
- 78 Cordelle Street · last listed $243,000 · 2026-10-06
- 457 Appalachian Trail · last listed $532,000 · 2026-10-06
- 434 Appalachian Trail · last listed $471,646 · 2026-10-06
- 373 Wambaw Drive · last listed $679,000 · 2026-10-06
- 25 Perdido Street · last listed $599,900 · 2026-10-06
- 64 Noble Oak Drive · last listed $832,097 · 2026-10-05
Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings
More on Rivertown
Go deeper on Rivertown
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 128 ZEPHYR Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $136/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- A CDD assessment of about $1,900/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 2,140 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $7,400/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,375 more per year than the current owner’s estimated bill (+23%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: October 6, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in St. Johns County — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 128 ZEPHYR Drive and when was it built?
Per the listing record, 128 ZEPHYR Drive was built in 2024 and has 2,140 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 128 ZEPHYR Drive in?
128 ZEPHYR Drive is in Rivertown in St. Johns, St. Johns County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 128 ZEPHYR Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $136 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. This parcel shows a CDD assessment of about $1,900 per year; confirm the exact figure with the county.
Why might property taxes on 128 ZEPHYR Drive differ from the current owner's?
The estimate on this page (about $7,400 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,375 more per year than the current owner’s estimated bill (+23%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Are short-term rentals allowed at 128 ZEPHYR Drive?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Is 128 ZEPHYR Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 128 ZEPHYR Drive in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.