FEMA Zone X — flood insurance generally not federally required
Built 2025 · 1 yrs
$323/sq ft — compared with the displayed median of $278 from recent nearby sales
New to market
HOA ~$50/mo (estimate; confirm)
This listing is shown at $661,000, with 3 bedrooms and 2.5 bathrooms, and 2,046 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms3
Bathrooms2.5
Living area2,046 sq ft
Lot sizeNot available on this page
Year built2025
Property typeTownhouse
Financial
Est. monthly payment$4,308
Est. taxes / yr~$5,685
Est. insurance / yr~$2,138
HOA$50/mo
CDD~$1,900/yr
Price / sq ft$323
Risk
Flood zoneZone X
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$2,138/yr
Market
Days on market1
Neighborhood median DOM64
Active listings (area)56
Months of supply1.7
Comparable-sales median$725,000
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
55/100
A rules-based composite of the objective indicators below. Higher is generally more favorable to a buyer on that single metric.
Price vs area10
This home $323/sq ft vs area median $278/sq ft from recent nearby sales.
Affordability65
List price $661,000 vs area median $725,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2025 build. Obtain a property-specific quote.
Market liquidity64
Area median 64 days on market, ~1.7 months of supply.
Investment metrics63
Objective supply and demand metrics for the area - not investment advice.
Renovation upside10
From a 2025 build and $323/sq ft vs area $278/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Listing facts & disclosures
$661,000
List price
As listed in the MLS
3 / 2.5
Bed / bath
Per the listing
2,046
Living area
Sq ft (approx.)
$323
Price / sq ft
List ÷ living area
The home
Year built2025
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeTownhouse
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessment~$1,900/yr
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$5,685/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
Price benchmark
Pricing & market trend in Rivertown Shores
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
The Messtimate™
The Messtimate: $501,270 – $636,306
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$501,270the mess$636,306
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 1 days on market vs. a ~64-day neighborhood median
56 active listings competing in Rivertown Shores
50 under contract now
47% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈1.7 months of supply (one market-context metric; should not be used alone)
26 new-construction homes competing
Median sale price is down 9% over the last 35 months
Homes here sell at about 98.6% of list price
390 closed here in the last 12 months
For reference, this home is listed at $661,000 ($323/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,046 sq ft × $245–$311/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 2, 2026.
Market analysis
Rivertown Shores market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
56Active listings
50Under contract
26New this month
1.7Months of supply
64Median days on market
47%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$661,000
Bed / bath3 / 2.5
Living area2,046 sq ft
Year built2025
Property typeTownhouse
MLS #2153152
Listing statusNew — 1 days on market
Days on market1
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
CountySt. Johns
Estimated first-year tax~$5,685/yr
CDD assessment~$1,900/yr
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$323
Estimated monthly payment$4,308
Estimated insurance~$2,138/yr
Messtimate rangeNot available on this page
Comparable-sales median$725,000
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
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$4,308
Principal & interest$3,447
Property tax$474
Insurance$178
CDD assessment$158
HOA$50
PMI$0
Down payment $132,200 · Loan $528,800. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$5,685/yr
The seller likely pays less due to the homestead cap. At a $661,000 purchase, expect your first full-year St. Johns bill near $5,685 before exemptions.
CDD assessment
~$1,900/yr
A Community Development District bond funds roads & amenities; it appears on your tax bill and is not optional.
Insurance
~$2,138/yr
Estimate for a 2025 build in St. Johns. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Rivertown Shores
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Rivertown Shores neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Median sale price (set)
$725,000
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$278
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$323
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Rivertown Shores
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Mar 2026 · Parks Amenities
County breaks ground on $23.8 million Greenbriar Park and Library
St. Johns County held a March 10, 2026 groundbreaking for Greenbriar Park and Library at 505 Rally Road, a $23.8 million project that is the third of four sites in the county's regional park initiative. Plans include two softball fields, two baseball fields, pickleball courts, a playground, and a full-service library and community center.
Why it matters: A county-funded park and library within a short drive of RiverTown could add public amenity depth that the community itself does not have to fund, a factor that may support the broader Greenbriar corridor's appeal.
Fifth Third Bank branch advances at Shoppes at RiverTown
A sign permit was issued February 13, 2026 for the Fifth Third Bank branch under construction at the Shoppes at RiverTown off Greenbriar Road and Longleaf Pine Parkway, following a roughly $2.5 million building permit issued in October 2025. The branch adds a national bank presence to the Publix-anchored center serving the community.
Why it matters: Financial services tenants typically follow proven rooftop counts, so this commitment may be read as a vote of confidence in RiverTown's maturing commercial node.
The Jacksonville Daily Record's 2025 regional development update noted that RiverTown, one of the few Developments of Regional Impact in St. Johns County, has been adding commercial uses including a gas station, retail, office space, and a Publix as the residential program advances. County growth management staff have separately described the community as moving closer to completion.
Why it matters: As a DRI approaches buildout, new-home competition from the developer gradually winds down, which could shift more activity toward the resale market over time.
Harris Teeter-size grocery project under review in nearby Greenbriar community
St. Johns County began reviewing plans for a 61,000 square foot grocery store matching the Harris Teeter footprint at Veterans Parkway and County Road 210 West, on land owned by the developer of the master-planned Greenbriar community east of RiverTown. Plans show adjacent retail space, four outparcels, and a fueling station totaling about 77,000 square feet of shopping center space.
Why it matters: A second full-size grocer competing in the northwest county trade area could shorten errand trips for RiverTown households and may signal that retailers expect continued rooftop growth along the Greenbriar corridor.
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.
Freedom Crossing Academy (onsite)Public PreK-8 · St. Johns County School District
Bartram Trail High SchoolPublic 9-12 · St. Johns County School District
Liberty Pines AcademyPublic K-8 · St. Johns County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$725,000
20 OAKMOSS Drive, St. Johns
4 / 3 bd/ba · 2,605 sq ft · $278/sq ft
Courtesy of UNITED REAL ESTATE GALLERY · View details →
Median of the set: $278/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Keep looking
Similar homes for sale near Rivertown Shores
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.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
Experience exceptional waterfront living in this Toll Brothers new construction home, nestled in one of Rivertown's most highly sought-after neighborhoods. Set directly along the river, this residence offers breathtaking, panoramic views.
An inviting front porch and stunning two-story foyer welcome you inside, opening to views of the casual dining area and expansive two-story great room, seamlessly connecting to a covered lanai perfect for enjoying the tranquil surroundings. The modern yet gourmet kitchen features high end appliances, a sizable pantry, a center island with breakfast bar, and loads of cabinets.
Privately located off the great room, the primary suite boasts a spacious walk-in closet and a luxurious bath with dual vanities and a glass-enclosed shower. Secondary bedrooms are generously sized, while additional highlights include a loft, a tucked-away flex room, a main-level laundry room, powder bath, and a 2-car garage.
Description provided by JACKSONVILLE TBI REALTY, LLC and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms3
Bathrooms2.5
Living area2,046 sq ft
Exterior & lot
Lot sizeSee record
TypeTownhouse
Systems
Year built2025
Age1 yrs
Listing
MLS #2153152
StatusActive
Days on market1
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
St. Johns
Groceries, dining, and parks for this city — see the city guide.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $661,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
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. Amounts vary by parcel; confirm the exact figure for this property with the county.
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. 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?
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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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 397 OAKMOSS 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 a typical county millage rate to the list price 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.
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.
