Single Family Residence in River Story, Jacksonville · No CDD on record · Built 2023
River Story · Jacksonville, FL 32223 · Duval County
Listing data updated October 13, 2026 at 3:52 AM ET · checked against the MLS hourly
5Bedrooms
4.5Bathrooms
5,328Sq Ft
2023Year Built
$881Per Sq Ft
WaterfrontPrivate pool3-car garageNo CDD on recordFEMA Zone X5 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
93% above
$/sq ft vs community
$881 here vs $456 median sold (12 mo)
Buyer leverage
Strong seller market
16 days on market
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~6 ft elevation
$11k–$23k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 13, 2026, 14242 RIVER STORY Drive in River Story, Jacksonville is listed at $4,695,000 (5,328 sq ft, about $881 per sq ft). That is 170% above River Story's median closed sale of $1,737,500 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $456/sq ft by about 93%. It has been 16 days on market, well inside the community's typical 34 days. Listing facts: built in 2023, a private pool, waterfront, HOA dues of $242/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2023 · 3 yrs
5,328 sq ft of living area
3-car garage
16 days on market
HOA $242/mo (per listing)
Listing description
About this home
Set along the majestic St. Johns River in the gated enclave of River Story on a premium 1.01-acre homesite, this extraordinary custom estate by custom builder Andy Reynolds was completed in 2023 and represents the pinnacle of waterfront luxury. Boasting spectacular panoramic views of the St.
Johns River from nearly every major living space, the home was thoughtfully designed to embrace its breathtaking setting while seamlessly blending indoor and outdoor living. Offering 5,328 square feet, the property includes a 4,606-square-foot main residence and a beautifully appointed 722-square-foot guest house, thoughtfully designed for both everyday living and exceptional entertaining. Every inch of this home showcases exceptional craftsmanship and timeless design.
Extensive millwork, tongue-and-groove ceilings, exposed beams, elegant crown molding, and wide-plank white oak flooring throughout the living areas create a warm yet sophisticated atmosphere. The dramatic great room is anchored by a stunning floor-to-ceiling brick gas fireplace, creating a breathtaking focal point while framing expansive views of the St. Johns River.
The thoughtfully designed floor plan features 4 spacious bedrooms, 3.5 baths, a bonus room with private sauna, a climate-controlled wine room that can accommodate 600 bottles, and a reinforced safe room. A stunning 150-gallon built-in aquarium serves as a striking focal point, while a comprehensive security system with cameras, whole-home Sonos audio extending throughout the interior, lanai, pool area, and private dock, along with all integrated audio/video equipment, convey with the home. At the heart of the residence is a spectacular chef's kitchen designed to impress.
Floor-to-ceiling custom cabinetry is paired with premium Thermador Professional appliances, including a 60-inch built-in refrigerator and a 48-inch gas cooktop with six burners and a griddle. Quartz countertops are complemented by a full-height quartz backsplash, creating a clean, sophisticated aesthetic. The expansive walk-in pantry is equally impressive, featuring floor-to-ceiling custom cabinetry and shelving, quartz countertops, and a decorative tile backsplash, providing both exceptional beauty and functionality.
The luxurious primary suite is a true private retreat featuring a striking floor-to-ceiling brick fireplace that creates a warm, inviting ambiance. The spa-inspired bath offers a freestanding soaking tub, an oversized walk-in shower with dual shower heads and an overhead rain shower, heated floors, and boutique-style custom his & hers closets complete with built-in drawers, shelving, and abundant hanging space. Three additional oversized bedrooms each feature custom accent millwork, crown molding, and professionally designed closet systems.
The secondary full bathrooms are beautifully appointed with seamless glass walk-in showers and quartz countertops, continuing the home's commitment to exceptional quality and design. Designed with every member of the family in mind, the oversized laundry room includes a custom-tiled dog washing station and two built-in kennels for your four-legged companions. The detached guest house provides an exceptional private retreat for family or visitors, offering a spacious bedroom, full bathroom, comfortable living room, built-in dining area, a full kitchen appointed with Thermador appliances, its own washer and dryer, and all the comforts of a private residence.
Outdoor living is nothing short of extraordinary. The expansive covered lanai showcases rich tongue-and-groove ceilings, built-in heaters, and effortless access to the integrated Sonos sound system, which extends throughout the interior of the home, lanai, pool deck, and private dock--creating an exceptional atmosphere for entertaining. Framed by breathtaking views of the St.
Johns River, the heated saltwater pool and spa provide a stunning backdrop for relaxation and gatherings, while two elegant built-in gas fire tables add warmth and ambian…
All 87 photos
Description provided by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY and reproduced from the MLS; not independently verified.
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
List price$4,695,000
Bed / bath5 / 4.5
Living area5,328 sq ft
Year built2023
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #2160307
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~6 ft
CountyDuval
Area listings0 active · 2 under contract
Estimated first-year tax~$82,975/yr
CDD assessmentNone on record
HOA$242/mo
Calculated estimates
Price per sq ft$881
Estimated monthly payment$34,493
Insurance (illustrative)$11k–$23k/yr
Comparable-sales median$1,737,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$34,493/mo
Principal & interest $26,006/mo75%
Taxes $6,915/mo20%
Insurance $1,331/mo4%
HOA $242/mo1%
$34,493/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Duval County rate (17.86 mills, adopted 2025 millage). Not a bill.
⚠️
Property 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.
Current owner’s estimated bill $34,900/yr ($2,908/mo) — taxable value $1,953,872 × 17.86 mills
$48,075 more each year
(+138%)
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.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$541,590
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$2,495,462
Market value
$2,004,594
Assessed
$1,953,872
Taxable
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.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Duval County Property Appraiser 2025 final millage chart; Duval County School Board FY2025-26 adopted millage. 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.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$11k–$23k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$242/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~6 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Duval 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.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Duval County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveRelatively High
Winter weatherVery Low
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.
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · River Story
Pricing & the River Story market
How this home is priced against recent nearby sales, and where River Story has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $881/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2023BuiltPer public record
Aug 15, 2026First seen on movewithmomentum.comObserved at $4,695,000
NowUnder contractCurrently pending
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.
Transparency
Price & listing history
Listed for $4,695,000Momentum Realty · on market 16 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
Only 2 closed sales within about 10 miles in Duval County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
The Messtimate™
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 Duval County in the last 18 months. Only 2 qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 5,328 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 13, 2026.
Momentum Scores
Momentum Property Score
50/100
Strongest on: Flood safety (90), Insurance cost (80)
0 limited50100 exceptional
50/100 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.
Price vs area0
This home $881/sq ft vs the community 12-month median $456/sq ft.
Affordability0
List price $4,695,000 vs the community median $1,737,500. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~6 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2023 build. Obtain a property-specific quote.
Market liquidity73
Community median 34 days on market (12-month record).
Pricing power54
Recent sales closed at about 97.2% of original asking (~2.8% below). More room below asking generally favors buyers.
Coverage: 6 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.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 0.0 months of supply in the surrounding market and 16 days on market for this home, against a 34-day area median.Days on market:this home 16Area median: 34 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 12, 2026.
🟡 Asking $881 per square foot, about 93% above the community’s $456 median. River Story’s 12-month median sold price per square foot is $456. Median sold price per square foot is up 0.7% year over year. Confidence: Low · 4 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
77% of homes in River Story are owner-occupied. An estimated 23% are non-owner-occupied, including 11% held in a company or trust and 2% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 39 homes matched. Community-level context.
Recent River Story sales closed near 97.2% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 12, 2026. Aggregates only; deemed reliable but not guaranteed.
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Schools
Loretto Elementary breaks ground on $12.3 million classroom addition
The addition will replace 13 portable classrooms and two aging pod buildings with 15 classrooms, a music room and a teacher planning room, and will expand the parent drop-off loop. The school enrolls 875 students for 2026-27. Funding comes from the voter-approved half-cent sales tax, with opening expected in 2028.
Why it matters: Expanded permanent capacity and a longer drop-off loop affect school-area traffic and classroom availability in the Mandarin area. The project is about 6 miles north of River Story, elsewhere in Duval County.
County Road 220 widening and Little Black Creek bridge replacement open to traffic in Clay County
The project finished ahead of schedule, with a new four-lane bridge over Little Black Creek replacing a 1947 structure. Phase 1 began in December 2024 with intersection improvements at Rideout Ferry Road, and Phase 2 began in January 2025. Officials say it should ease traffic along the corridor.
Why it matters: A four-lane CR 220 corridor improves commute capacity for Fleming Island and Middleburg area drivers. The site is about 8 miles west of River Story.
UF Health Durbin Park 99-bed hospital opens in northern St. Johns County; Baptist Silverleaf adds emergency department
UF Health Durbin Park, a 99-bed hospital with a 24-hour emergency department on 42.5 acres, held its ribbon-cutting and opens the following week. Baptist Health's Silverleaf campus, about 10 miles south, is adding an emergency department, and AdventHealth and Acadia Health have also opened facilities near I-95. The county's population has grown more than 25% since 2020.
Why it matters: New hospital and emergency capacity shortens drive times to emergency care and adds healthcare jobs in northern St. Johns County. The site is about 8 miles east of River Story.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 8 miles southwest of River Story.
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.
Schools currently assigned to this address in Duval 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.
GRADEA
LorettoAssigned elementary school · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEA
MandarinAssigned middle school · Duval County School District · Grade A (Florida DOE 2025-26)
GRADEA
MandarinAssigned high school · Duval County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 14242 RIVER STORY Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2023: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $242/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 5,328 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 $82,975/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $48,075 more per year than the current owner’s estimated bill (+138%). 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.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: October 13, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Duval County — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
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.
Answered before you ask
Frequently asked questions
How big is 14242 RIVER STORY Drive and when was it built?
Per the listing record, 14242 RIVER STORY Drive was built in 2023 and has 5,328 sq ft of living area, 5 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 14242 RIVER STORY Drive in?
14242 RIVER STORY Drive is in River Story in Jacksonville, Duval 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 14242 RIVER STORY Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $242 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 14242 RIVER STORY Drive differ from the current owner's?
The estimate on this page (about $82,975 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $48,075 more per year than the current owner’s estimated bill (+138%). 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.
Is 14242 RIVER STORY Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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.
Ready when you are
See 14242 RIVER STORY 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.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
