This home is in Watersong At Rivertown, St. Johns.

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Pending

Pending·457 days on market·Watersong At Rivertown

623 Juniper Hills Drive

St. Johns, FL 32259

$399,000$253/sqftEst. $2,034/moMLS# 2083675

Beds

Baths

1,577

Sq Ft

2025

Built

Garage

Pool

About this home

Watersong At Rivertown

LOT 104 - This Cabana offers flexible living with 2 bedrooms, a study, and an open-concept layout. The kitchen with island overlooks the Great Room and dining area, flowing seamlessly to the lanai through sliding glass doors. The private primary suite is tucked at the rear, just steps from outdoor living. Smart, stylish, and designed for modern life. WATERSONG is an exclusive gated 55+ neighborhood located within RiverTown, a master-planned community designed to connect its residents to the beautiful natural surroundings with neighborhood parks overlooking picturesque lakes and preserve, w/miles of trails and an unspoiled natural setting along the shores of the St. Johns River. Resort-style amenities are geared toward staying fit, meeting new friends, trying new activities, and having fun in the sun. From food truck Fridays to wine gatherings and trivia, a Paw Park visit, bunco, nature walks or fitness classes...you'll have a multitude of choices on filling your day.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,034

Principal & Interest: $2,034

Property taxes (est.): $531

Insurance (est.): $266

Estimated Total Monthly

$2,831

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,034

Property taxesest. at asking price, St. Johns County$531

HOAbilled monthly$415

Estimated total, before insurance$2,980/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$80,000	$80,000	—

Estimated taxes if purchased at asking price: ~$6,400/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,651 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Features

Price$399,000

Price / Sq Ft$253

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,577

Year Built2025

TypeResidential

Sub-TypeTownhouse

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

New ConstructionYes

Direction FacesNorthwest

Community Information

Address623 Juniper Hills Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007291040

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Management- On Site, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener