Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Watersong At Rivertown, St. Johns — a 55+ community home in St. Johns County.

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Pending

Pending·307 days on market·Watersong At Rivertown

206 Pelton Place

St. Johns, FL 32259

$593,000$268/sqftEst. $3,024/moMLS# 2110711

Beds

Baths

2,210

Sq Ft

2025

Built

Garage

Pool

About this home

Watersong At Rivertown

LOT 233 - Located in WATERSONG, a gated 55+ neighborhood in RiverTown, this master-planned community offers scenic parks, lake views, and nature preserves along the St. Johns River. Resort-style amenities encourage fitness, socializing, and fun—whether it's food truck Fridays, wine nights, trivia, bunco, fitness classes, or nature walks. With miles of trails, a Paw Park, and endless activities, there's always something to enjoy in this vibrant, active adult community.

Cost to own

Mortgage calculator

Home Price

$593,000

Down Payment: 20%

$118,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,024

Principal & Interest: $3,024

Property taxes (est.): $789

Insurance (est.): $395

Estimated Total Monthly

$4,208

*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$3,024

Property taxesest. at asking price, St. Johns County$789

HOAbilled monthly$211

Estimated total, before insurance$4,024/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	$100,000	$100,000	—
2024	$100,000	$93,500	—
2023	$85,000	$85,000	—

Estimated taxes if purchased at asking price: ~$9,500/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

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$593,000

Price / Sq Ft$268

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,210

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

New ConstructionYes

Direction FacesNorthwest

Community Information

Address206 Pelton Place, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007242330

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

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

AppliancesDishwasher, Disposal, Dryer, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup