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

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Active Under Contract

Active Under Contract·84 days on market·Watersong At Rivertown

98 Hoptree Place

St. Johns, FL 32259

$524,900$290/sqftEst. $2,794/moMLS# 2141338

Beds

Baths

1,811

Sq Ft

2021

Built

2.5

Garage

Pool

About this home

Watersong At Rivertown

Don't miss this rare gem, in this gated community of Watersong at Rivertown. Perfectly positioned on a private corner lot, the property surrounded by lush, meticulously curated landscaping that creates a peaceful retreat you won't find in the other cookie cutter homes. From the moment you step inside, you can't help but notice the exceptional pride of ownership. The home has been immaculately maintained and thoughtfully upgraded featuringa stunning tonge-and groove ceiling that adds warmth and character, along with all new kitchen and bathroom fixtures including designer lighting, modern hardware and stylish mirrors. The interior is tastefully decorated to reflect the true tropical style, offering a light airy feel that complements the surrounding natural beauty. Step outside to your own private space - and extended paver patio and screened in lanai provide the ideal setting for morning coffee, evening relaxation, or entertaining guests year round. Located in the heart

Cost to own

Mortgage calculator

Home Price

$524,900

Down Payment: 20%

$104,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,651

Principal & Interest: $2,651

Est. Taxes & Insurance: $663

Estimated Total Monthly

$3,314

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$2,794

Property taxesest. at asking price, St. Johns County$698

HOAbilled monthly$211

Estimated total, before insurance$3,703/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

Last sold: $525,000 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$415,013	$351,636	—
2024	$425,183	$341,018	—
2023	$379,629	$329,629	—
2022	$349,310	$299,310	—
2021	$75,000	$75,000	—
2020	$75,000	$75,000	—

2025 property taxes (current owner): $7,644/yr

Estimated taxes if purchased at asking price: ~$8,400/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 2021)

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

Solar potential: ~1,674 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Apr 22, 2026Listed$524,900

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

Features

Price$524,900

Price / Sq Ft$290

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,811

Acres0.13 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2.5

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address98 Hoptree Place, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size5,662.8 sq ft

Parcel Number0007210870

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Park, Pickleball, Spa/Hot Tub

UtilitiesCable Available, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

SecuritySmoke Detector(s)