
305 STERNWHEEL DRIVE, ST JOHNS, FL, 32259
Active18 days on marketListed Sep 2, 2026MLS #FC321188
About this home
305 STERNWHEEL DRIVE
A one-of-a-kind custom home on RiverTown's Main Street, with a detached guest apartment, courtyard entertaining area and sweeping waterfront views. Southern Grace, Custom Craftsmanship: 305 Sternwheel Dr is the only home in all of RiverTown built by custom builder Cornerstone Homes, set apart on the quaint Main Street section of the community. The architecture carries Southern style: deep front porch, gracious proportions, and a floor plan built for both everyday living and entertaining. This home has been meticulously maintained, with a newer roof, a new gas water heater, newer AC units, and brand-new wood flooring across the main level. Every major system has been addressed, so the next owner starts with peace of mind, not a punch list. From the front porch and upstairs balcony, the water views stretch out and change with the light throughout the day. The primary suite has its own private balcony, a quiet spot for morning coffee or watching the sun set over the water. Don't worry about the stairs - the main house was built with an elevator shaft, perfect for aging in place! Few homes in RiverTown offer this: a fully detached guest house above the garage, connected to the main home by an open-air courtyard. The guest house (ADU) is a complete apartment with its own bedroom, bathroom, and mini kitchen, ideal for multigenerational living, a mother-in-law suite, long-term guests, or private home office and studio. It's the kind of flexible living space buyers search for and rarely find in this community. Life on RiverTown's Main Street RiverTown is a riverfront, master-planned community along the St. Johns River in northwest St. Johns County, and the Main Street section places this home within walking distance of the neighborhood's daily rhythm. Residents have access to three amenity centers, including the RiverClub on the St. Johns River with an oasis-style pool, waterfront dining, fishing pier, kayak and paddleboard launch, amphitheater, game room, and riverside boardwalk. Miles of nature trails and sidewalks connect parks, wetlands, and preserves, along with a dog park, biergarten, and event lawn. Boating and fishing access to the St. Johns River is part of everyday life here. Location: An Easy Commute Between Jacksonville and St. Augustine RiverTown sits near State Road 13 and Longleaf Pine Parkway, with access to I-95 and CR-210, putting both Jacksonville and Historic Downtown St. Augustine within a comfortable drive. St. Johns County's more than 60 miles of Atlantic beaches, from Ponte Vedra Beach to St. Augustine Beach, are also accessible for a day on the sand. Schools in St. Johns County St. Johns County School District is consistently ranked among the top-performing districts in Florida. RiverTown has historically been zoned for Freedom Crossing Academy (K-8) and Bartram Trail High School, though attendance boundaries have changed in recent years. Buyers should confirm current zoning directly through the St. Johns County School District's attendance zone locator prior to closing. The Bottom Line 305 Sternwheel Dr pairs a custom-built, well-maintained Southern-style home with a feature that's genuinely rare in RiverTown: a private, fully equipped guest apartment across a courtyard from the main house. Add river views from two levels, resort-style amenities, top-ranked St. Johns County schools, and an easy commute to Jacksonville and St. Augustine, and this is a home built for how people want to live in RiverTown.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,148
Sqft
0.1 ac
Lot size
2
Garage
2008
Year built
Two
Levels
$238
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,965 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,965/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St Johns actives
$238 vs $254
Days on market
18 vs 10 typical
Where $238/sqft sits among the 16 St Johns actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Rivertown
Get to know St Johns. See the full St Johns guide →
Rivertown — neighborhood snapshot
Population
3,263
Median age
39
Median income
$142,774
Median home value
$581,900
Avg household
3
Households w/ children
545
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Johns market
$550K → $530K
St Johns median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
5 of 16
St Johns actives have cut their price
Median sold price, St Johns, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the ST JOHNS 32259 median. See the full St Johns market guide →
Paper trail
This home's history
Reality check
What actually sold near 305 STERNWHEEL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$725,000
61 SULLIVAN PLACE
5 bd · 3 ba · 3,258 sqft · $223/sqft · 0 DOM
Sold · Oct ’25$725,000
118 INDIAN GRASS DRIVE
5 bd · 4 ba · 3,271 sqft · $222/sqft · 1 DOM
Sold · Apr ’26$580,000
356 WATERFRONT DRIVE
4 bd · 3 ba · 2,849 sqft · $204/sqft · 251 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 305 STERNWHEEL DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 305 STERNWHEEL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
305 STERNWHEEL DRIVE FAQs
What would the monthly payment be for 305 STERNWHEEL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,965/mo — principal and interest, the actual property-tax bill, the $4/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 305 STERNWHEEL DRIVE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 305 STERNWHEEL DRIVE?+
The most recent tax bill on record (2025) was $5,672. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 305 STERNWHEEL DRIVE?+
The listing reports pets: Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Johns?+
At $750,000, this home is listed about 41% above the St Johns median of $532,500. The market section on this page shows how the area is trending.
Which schools are assigned to 305 STERNWHEEL DRIVE?+
Bartram Trail High School (high), Switzerland Point Middle School (middle), Cunningham Creek Elementary School (elementary), First Coast Technical College (high), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST. JOHNS · Christina Welch. MLS #FC321188.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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