CENTURY 21 Edge
$750,0005 bd3.5 ba3,148 sqft$238 /sqft≈$5,638 /mo all-in ↓

305 STERNWHEEL DRIVE, ST JOHNS, FL, 32259

Active65 days on marketListed Sep 2, 2026MLS #FC321188

Single Family ResidenceRIVERTOWN-MAIN STREET DISTRICT

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

FlooringCarpet · Tile · Hardwood
AppliancesDishwasher · Microwave · Range · Tankless Water Heater
InteriorOther · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Washer Hookup
CoolingCentral Air · Other
HeatingCentral

Outside & construction

RoofShingle
ConstructionOther
FoundationOther
FacesSouthwest
ExteriorBalcony · Lighting · Sidewalk

Community & fees

HOA fee$4/mo
Taxes (2025)$5,672/yr
PetsNumber Limit

Utilities & systems

UtilitiesElectricity Connected · Natural Gas Connected · Sewer Connected · Water Connected
WaterPublic

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.

$5,638 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$4,720
PMI (est., until 20% equity)$281
Property tax — 2025 actual bill$473
HOA fee — from the listing$4
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $75,000Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $75,000
Interest rate7.50%
Loan term

Estimated payment

$5,638/mo

Principal & interest$4,720
PMI (est., until 20% equity)$281
Property taxes (actual bill)$473
HOA / condo fee$4
Est. insurance$160

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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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 $231

Days on market

65 vs 52 typical

Where $238/sqft sits among the 13 St Johns actives

2
1
4 · this home
2
2
2
$143–175$175–207$207–239$239–271$271–303$303+

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.

The numbers that matter

The St Johns market

Seller’s marketLeans seller — 4.5 months of inventoryBuyer’s market

$425K → $739K

St Johns median sold, yr/yr

98.7%

Sale-to-list ratio (12 mo)

3 of 13

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 42% above the St Johns median. See the full St Johns market guide →

Paper trail

This home's history

Sep 2, 2026Listed at $750,000 · 65 days on market since
2008Built · RIVERTOWN-MAIN STREET DISTRICT

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.

Angela Rodriguez

Your agent

Angela Rodriguez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 305 STERNWHEEL DRIVE — start here.

Andrew Acosta

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 Angela'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 7.5%, the all-in payment lands around $5,638/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 42% above the St Johns median of $528,750. The market section on this page shows how the area is trending.

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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