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 new construction home in St. Johns County.

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Pending

Pending·256 days on market·Watersong At Rivertown

177 Merchant Avenue

St. Johns, FL 32259

$657,524$271/sqftEst. $3,353/moMLS# 2118182

Beds

Baths

2,424

Sq Ft

2025

Built

Garage

Pool

About this home

Watersong At Rivertown

Lot 132 - Discover the Dominica floorplan with a charming Craftsman Elevation, thoughtfully designed for comfort, style, and versatility. Perfect for active adults, this home features open gathering spaces and private retreats, including a Study in lieu of a Flex Room, ideal for a home office or reading nook. The Chef Kitchen, paired with a Morning Kitchen, makes meal prep and entertaining effortless, with a spacious island overlooking the Great Room and dining area for seamless connection. The open-concept layout extends to the lanai, filling the home with natural light, while the primary suite at the rear offers privacy and relaxation. WATERSONG, an exclusive gated 55+ neighborhood within RiverTown, connects residents to parks, lakes, preserves, and miles of scenic trails along the St. Johns River. Resort-style amenities and social events provide endless ways to stay active, meet friends, and enjoy each day.

Cost to own

Mortgage calculator

Home Price

$657,524

Down Payment: 20%

$131,505

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,353

Principal & Interest: $3,353

Property taxes (est.): $875

Insurance (est.): $438

Estimated Total Monthly

$4,666

*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$3,353

Property taxesest. at asking price, St. Johns County$875

HOAbilled monthly$183

Estimated total, before insurance$4,410/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	—

Estimated taxes if purchased at asking price: ~$10,500/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$657,524

Price / Sq Ft$271

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,424

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

New ConstructionYes

Direction FacesNorthwest

Community Information

Address177 Merchant Avenue, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007291320

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, 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, Double Oven, Dryer, Freezer, Gas Cooktop, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)