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This home is in Watersong At Rivertown, St. Johns — a gated community home in St. Johns County.

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Pending

Pending·50 days on market·Watersong At Rivertown

311 Crafton Circle

St. Johns, FL 32259

$459,000$245/sqftEst. $2,431/moMLS# 2157773

↓ $3,574 below original list

Beds

Baths

1,875

Sq Ft

2026

Built

Garage

Pool

FEMA Zone XHOA $211/moSingle Family Residence1 storyNew construction

About this home

Watersong At Rivertown

Lot 311 - Experience the open-concept design and effortless flow of the Barbados. Upon entry, you're welcomed by a spacious kitchen featuring an island with a flush breakfast bar that overlooks the dining area and Great Room, creating the perfect setting for everyday living and entertaining. A versatile study off the dining area can serve as a home office, formal dining room, or creative space. The secondary bedroom is conveniently located near the foyer, while the private primary suite is tucked at the rear of the home, offering a peaceful retreat with easy access to the Great Room, kitchen, and lanai. Located in WATERSONG, RiverTown's gated 55+ community, residents enjoy scenic trails, lakes, parks, and access to the St. Johns River, along with resort-style amenities and an active lifestyle featuring fitness classes, food trucks, wine nights, trivia, bunco, nature walks, and mor

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$2,431

Property taxesest. at asking price, St. Johns County$611

HOAbilled monthly$211

Estimated total, before insurance$3,252/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$459,000

Down Payment: 20%

$91,800

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,431

Principal & Interest: $2,431

Property taxes (est.): $611

Insurance (est.): $306

Estimated Total Monthly

$3,347

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 31, 2026Pending$459,000
Aug 14, 2026Price change$459,000−$3,574
Jul 30, 2026Listed$462,574

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

Features

Price$459,000

Price / Sq Ft$245

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,875

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

New ConstructionYes

Direction FacesSoutheast

Community Information

Address311 Crafton Circle, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007290410

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)

Community FeaturesSidewalks, Street Lights, Restaurant, Gated, Curbs

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

SecurityCarbon Monoxide Detector(s), Key Card Entry, Security Gate, Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Front Porch, Rear Porch

RoofShingle

ConstructionFiber Cement, Frame

Additional Information

Date ListedJuly 30, 2026

Days on Market29

HOA Fees$211 / Monthly

HOA FrequencyMonthly

Listing TermsCash, Conventional, FHA, VA Loan, Other

55+ CommunityYes

New ConstructionYes

Listing Courtesy of: MATTAMY REAL ESTATE SERVICES · Matt.Berkis@mattamycorp.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Watersong At Rivertown

Watersong At Rivertown is a neighborhood in RiverTown, FL (St. Johns County), ZIP 32259.

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