This home is in Watersong At Rivertown, St. Johns — a 55+ community home in St. Johns County.
Sold·Closed Jun 30, 2026·189 days on market·Recent sales in Watersong At Rivertown·Watersong At Rivertown
197 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 130 - Discover the Aruba floorplan with a Coastal Elevation, where sophistication meets relaxed coastal living in an open-concept design. Just off the welcoming foyer, a Study in lieu of a Flex Room provides an ideal space for work or quiet retreat. The heart of the home opens to a spacious Great Room that flows seamlessly to the lanai, perfect for entertaining or enjoying the coastal breeze. A Gourmet Kitchen with a flush island breakfast bar and nearby Wet/Dry Bar makes hosting casual meals or elegant dinners effortless. The private primary suite offers a serene retreat with convenient access to the main living areas. Every detail reflects coastal elegance and thoughtful design. WATERSONG, an exclusive gated 55+ neighborhood within RiverTown, features parks, lakes, preserves, and miles of scenic trails along the St. Johns River, plus resort-style amenities, social events, and fitness activities for an active, connected lifestyle.
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: ~$8,700/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 $258/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 |
| 133 Crafton Circle, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Aug 2026 | $449,000 | $237 | 2/2 | 1,896 | 236 | 0.3 |
| 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 |
| 305 Crafton Circle, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $449,000 | $267 | 2/2 | 1,682 | 16 | 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 |
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
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Pending54 Merchant AvenueSt. Johns, FL 32259
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 30, 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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines