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 waterfront home in St. Johns County.

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Active

Active·Listed today·Watersong At Rivertown

148 Kellet Way

St. Johns, FL 32259

$575,000$298/sqftEst. $2,932/moMLS# 2158359

Beds

Baths

1,932

Sq Ft

2021

Built

Garage

Pool

About this home

Watersong At Rivertown

Perfectly positioned on an oversized homesite overlooking tranquil pond views in the gated 55+ community of WaterSong at RiverTown, this thoughtfully designed Pier model blends sophisticated interiors with one of the area's most impressive outdoor living spaces. A welcoming covered front porch leads to a bright and inviting interior where luxury vinyl plank flooring flows throughout, complemented by soft gray Shaker cabinetry and recessed lighting. The elegant foyer showcases a tray ceiling with drum lighting, while French doors open to a versatile office or den, offering the perfect space to work from home, pursue hobbies, or accommodate overnight guests. At the heart of the home, the chef-inspired kitchen is both stylish and functional, featuring quartz countertops, an elongated gray and white hexagonal tile backsplash, stainless steel appliances including a built-in wall oven, microwave, gas cooktop with designer hood, a spacious pantry, and an oversized island illuminated by

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,932

Principal & Interest: $2,932

Property taxes (est.): $765

Insurance (est.): $383

Estimated Total Monthly

$4,080

*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$2,932

Property taxesest. at asking price, St. Johns County$765

HOAbilled monthly$211

Estimated total, before insurance$3,908/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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: ~1,732 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

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 3, 2026Listed$575,000

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

Features

Price$575,000

Price / Sq Ft$298

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,932

Acres0.22 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address148 Kellet Way, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size9,583.2 sq ft

Parcel Number0007210360

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, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

# of Stories1

LaundryIn Unit

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

Spa FeaturesCommunity