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 gated community home in St. Johns County.

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Active

Active·112 days on market·Watersong At Rivertown

106 Key Grass Court

St. Johns, FL 32259

$625,000$245/sqftEst. $3,187/moMLS# 2139124

Beds

Baths

2,554

Sq Ft

2020

Built

Garage

Pool

About this home

Watersong At Rivertown

Welcome to this beautifully upgraded home in WaterSong at RiverTown, a gated, 55+ active adult community in St. Johns County where resort style living meets everyday comfort. The gourmet kitchen features rich maple cabinetry, Silestone quartz countertops, a floor to ceiling backsplash, and a custom granite laundry countertop. A whole house reverse osmosis system connects to the kitchen sink, refrigerator, and utility tub. The primary suite offers an expanded bedroom with sitting area, dual walk in closets, and a spa inspired bath. Guests will appreciate the upgraded secondary ensuite with its own shower. Designer finishes include crown molding, 4'' plantation shutters, decorator ceiling fans, a dramatic tiled dining accent wall, and tile flooring throughout. The heated and air conditioned golf cart garage, not included in square footage, offers a finished 10' x 13' room, two oversized storage closets, a refrigerator outlet, and laundry tub. The oversized main garage

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,187

Principal & Interest: $3,187

Property taxes (est.): $832

Insurance (est.): $417

Estimated Total Monthly

$4,435

*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$3,187

Property taxesest. at asking price, St. Johns County$832

HOAbilled monthly$183

Estimated total, before insurance$4,201/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	$531,721	$0	—
2024	$553,099	$0	—
2023	$495,526	$210,606	—
2022	$451,469	$203,016	—
2021	$376,933	$195,647	—
2020	$75,000	$75,000	—

Estimated taxes if purchased at asking price: ~$10,000/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: material not specified — year not disclosed (home built 2020)

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

Solar potential: ~1,645 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 15, 2026Price change$625,000−$14,900
Apr 9, 2026Listed$639,900

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

Features

Price$625,000

Price / Sq Ft$245

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,554

Acres0.19 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address106 Key Grass Court, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size8,276.4 sq ft

Parcel Number0007210170

Amenities

AmenitiesPool, Boat Dock, Clubhouse, Dog Park, Fitness Center, Gated, Park, Playground, Spa/Hot Tub

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne