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

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Active

Active·47 days on market·Watersong At Rivertown

84 Pigeon Cove

St. Johns, FL 32259

$488,000$260/sqftEst. $2,597/moMLS# 2147726

Beds

Baths

1,876

Sq Ft

2024

Built

Garage

Pool

About this home

Watersong At Rivertown

Welcome to 84 Pigeon Cove, where everyday living feels like a retreat in the gated 55+ community of WaterSong at RiverTown. Built in 2024, this beautifully designed Terrace Model blends modern elegance with effortless comfort, offering 2 bedrooms, 2 baths, a private office with French doors, and thoughtfully curated upgrades throughout. From the moment you arrive, the home's inviting curb appeal sets the tone with upgraded landscaping, a paver-covered front porch, and charming farmhouse-style pendant lighting that creates a warm and welcoming first impression. Inside, the light-filled open floor plan invites connection and relaxation with wood-look tile flooring, designer lighting, and a stunning great room that flows effortlessly through stacking sliding glass doors to an expansive screened lanai, creating the seamless indoor-outdoor lifestyle perfect for entertaining family and friends year-round. At the heart of the home, the chef's kitchen shines with white quartz countertops, a

Cost to own

Mortgage calculator

Home Price

$488,000

Down Payment: 20%

$97,600

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,465

Principal & Interest: $2,465

Est. Taxes & Insurance: $616

Estimated Total Monthly

$3,081

*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$2,597

Property taxesest. at asking price, St. Johns County$649

HOAbilled monthly$211

Estimated total, before insurance$3,458/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: $500,000 in March 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$434,008	$383,286	—
2024	$100,000	$93,500	—
2023	$85,000	$85,000	—

Estimated taxes if purchased at asking price: ~$7,800/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 2024)

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

Solar potential: ~1,630 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

May 29, 2026Listed$488,000

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

Features

Price$488,000

Price / Sq Ft$260

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,876

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address84 Pigeon Cove, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007242740

Amenities

AmenitiesPool, Other, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Pickleball, Playground, Security, Spa/Hot Tub, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

# of Stories1

LaundryIn Unit, Sink

SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)