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

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Active

Active·145 days on market·Watersong At Rivertown

191 Crafton Circle

St. Johns, FL 32259

$428,000$254/sqftEst. $2,175/moMLS# 2131639

Beds

Baths

1,682

Sq Ft

2025

Built

Garage

Pool

About this home

Watersong At Rivertown

Lot 48 - The Antigua, showcased in a charming Farmhouse elevation, is thoughtfully designed for empty nesters who love to entertain. Just off the foyer, a secondary bedroom and private study--offered in lieu of a flex room--create ideal space for guests, hobbies, or a home office. The hallway opens to a bright dining area and spacious great room that flow seamlessly together. At the center, the gourmet kitchen features a large island overlooking the main living areas, perfect for gatherings. An expansive lanai extends the living space outdoors and fills the home with natural light. Tucked away for privacy, the primary suite offers easy access to the great room and lanai, creating a peaceful retreat. Located in Watersong, a gated 55+ neighborhood within RiverTown, residents enjoy parks, lakes, preserves, scenic trails along the St. Johns River, and resort-style amenities for active living.

Cost to own

Mortgage calculator

Home Price

$428,000

Down Payment: 20%

$85,600

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,175

Principal & Interest: $2,175

Est. Taxes & Insurance: $544

Estimated Total Monthly

$2,719

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,175

Property taxesest. at asking price, St. Johns County$570

HOAbilled monthly$211

Estimated total, before insurance$2,956/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	—

Estimated taxes if purchased at asking price: ~$6,800/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.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,722 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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

Ask about this home

As of July 2026, 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.

History

Price & status history

Jul 13, 2026Price change$428,000−$5,000
Feb 24, 2026Listed$433,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$428,000

Price / Sq Ft$254

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,682

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

New ConstructionYes

Community Information

Address191 Crafton Circle, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007290480

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Management- On Site, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewOther

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, Freezer, Gas Cooktop, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup