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

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Pending

Pending·379 days on market·Watersong At Rivertown

320 Pelton Place

St. Johns, FL 32259

$512,000$267/sqftEst. $2,725/moMLS# 2096265

Beds

Baths

1,917

Sq Ft

2025

Built

Garage

Pool

About this home

Watersong At Rivertown

Lot 243 The Pier features a generous kitchen with island, breakfast bar, dining area and family room, with a 12' sliding glass door leading to an extended covered lanai. A cozy Study offers a peaceful retreat for work or quiet moments. The owner's suite features a large walk-in closet and a luxurious bath. For added comfort, Bath 2 features a shower in lieu of a tub. 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

$512,000

Down Payment: 20%

$102,400

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,586

Principal & Interest: $2,586

Est. Taxes & Insurance: $647

Estimated Total Monthly

$3,233

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,725

Property taxesest. at asking price, St. Johns County$681

HOAbilled monthly$211

Estimated total, before insurance$3,617/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$100,000	$100,000	—
2024	$100,000	$93,500	—
2023	$85,000	$85,000	—

Estimated taxes if purchased at asking price: ~$8,200/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.

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

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

Features

Price$512,000

Price / Sq Ft$267

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,917

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

New ConstructionYes

Community Information

Address320 Pelton Place, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007242430

Amenities

AmenitiesPool, Other, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management- On Site, Park, Pickleball, Playground, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Freezer, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, In Unit, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)