This home is in Watersong At Rivertown, St. Johns — a 55+ community home in St. Johns County.
Sold·Closed Jun 17, 2026·215 days on market·Recent sales in Watersong At Rivertown·Watersong At Rivertown
207 Merchant Avenue
St. Johns, FL 32259
32 more homes for sale in Watersong At Rivertown →Search Watersong At Rivertown on the map
About this home
Watersong At Rivertown
LOT 129 - The Lucia floorplan combines thoughtful design with Craftsman Elevation charm, offering spacious living ideal for both relaxing and entertaining. The open-concept kitchen, featuring a large island and Wet/Dry Bar, flows into the dining area and Great Room, where natural light pours in from the large lanai doors to create a bright, inviting space. A nearby flex room adds versatility, perfect as a reading nook, hobby space, or home office. A separate two-bedroom suite offers privacy for guests or family, with Bath 2 upgraded to a shower in lieu of tub. The private primary suite, tucked at the rear of the home, provides a serene retreat away from the main living areas. WaterSong is an exclusive 55+ neighborhood located within RiverTown, a master-planned community designed to combine modern, resort-style amenities with an unspoiled natural setting nestled along the shores of the St. Johns River with miles of trails and sidewalks throughout.
Next steps in Watersong At Rivertown
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeThis 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.
Sun & Light
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real pool sun without the western afternoon heat.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $100,000 | $100,000 | — |
Estimated taxes if purchased at asking price: ~$9,900/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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $276/sq ft; this home is listed at $246/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 87 Merchant Avenue, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Aug 2026 | $512,155 | $270 | 2/2 | 1,900 | 0 | 0.1 |
| 254 Crafton Circle, St. Johns, FL 32259Listed by NON MLS (realMLS) | Oct 2026 | $524,756 | $276 | 2/2 | 1,900 | 0 | 0.4 |
| 94 Slip Cove, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC | Oct 2026 | $679,000 | $292 | 4/3 | 2,324 | 37 | 0.4 |
| 186 Ladyslipper Drive, St. Johns, FL 32259Listed by EXP REALTY LLC | Sep 2026 | $480,000 | $256 | 2/2 | 1,876 | 24 | 0.4 |
| 47 Noble Oak Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC | Sep 2026 | $794,000 | $342 | 3/2.5 | 2,324 | 181 | 0.4 |
| 704 Kendall Crossing Drive, St. Johns, FL 32259Listed by EAGLES WORLD REALTY, INC | Aug 2026 | $525,000 | $227 | 3/2.5 | 2,316 | 16 | 0.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MATTAMY REAL ESTATE SERVICES
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Watersong At Rivertown
Watersong At Rivertown is a neighborhood in RiverTown, FL (St. Johns County), ZIP 32259.
View all Watersong At Rivertown homes for sale →Keep looking
More homes in Watersong At Rivertown
Pending462 Merchant AvenueSt. Johns, FL 32259
2 bd · 2.5 ba · 2,311 sq ft
$622,402Est. $3,313/moLot 136 - Located in WaterSong, RiverTown's gated 55+ community, residents enjoy resort-style amenities, fitness…
Listing Office: mattamy real estate services
For Sale106 Key Grass CourtSt. Johns, FL 32259
3 bd · 3 ba · 2,554 sq ft
$625,000Est. $3,327/moWelcome to the active adult lifestyle of WaterSong at RiverTown! Beautifully designed and filled with thoughtful…
Listing Office: re/max specialists
For Sale51 Mission DriveSt. Johns, FL 32259
2 bd · 2.5 ba · 2,132 sq ft
$589,000Est. $3,135/moLot 146 - The Aruba blends sophisticated design with casual elegance, creating a home that's as functional as it is…
Listing Office: mattamy real estate services
Pending378 Crafton CircleSt. Johns, FL 32259
2 bd · 2.5 ba · 2,121 sq ft
$585,693Est. $3,117/mo*For MLS entry/comps only
Listing Office: non mls (realmls)
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 17, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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