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 55+ community home in St. Johns County.

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Active

Active·44 days on market·Watersong At Rivertown

317 Crafton Circle

St. Johns, FL 32259

$484,000$230/sqftEst. $2,491/moMLS# 2153533

Beds

Baths

2,102

Sq Ft

2026

Built

Garage

Pool

About this home

Watersong At Rivertown

Lot 40 -The Martinique offers contemporary style with a layout that blends open gathering areas and thoughtfully placed rooms. The kitchen--with its walk-in pantry--flows into the dining area and Great Room for easy daily living and effortless entertaining. Enjoy a quiet meal, relax in the Great Room, or step onto the lanai for Florida's indoor-outdoor lifestyle. A dedicated study provides a private space for work or creativity, while Bath 3 features a shower for added convenience. The rear primary suite is a peaceful retreat with quick lanai access. Located in WATERSONG, RiverTown's gated 55+ community, residents enjoy trails, lakes, parks, the St. Johns River, and resort-style amenities including fitness classes, food trucks, wine nights, trivia, bunco, nature walks, and more

Cost to own

Mortgage calculator

Home Price

$484,000

Down Payment: 20%

$96,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,491

Principal & Interest: $2,491

Property taxes (est.): $644

Insurance (est.): $323

Estimated Total Monthly

$3,457

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,491

Property taxesest. at asking price, St. Johns County$644

HOAbilled monthly$211

Estimated total, before insurance$3,346/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: ~$7,700/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 2026)

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

Solar potential: ~1,753 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

Aug 14, 2026Price change$484,000−$4,000
Jul 30, 2026Price change$488,000−$1,000
Jul 13, 2026Price change$489,000−$5,000
Jul 2, 2026Listed$494,000

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

Features

Price$484,000

Price / Sq Ft$230

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,102

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

New ConstructionYes

Direction FacesSoutheast

Community Information

Address317 Crafton Circle, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007290400

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, 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, Eat-in Kitchen, 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