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 gated community home in St. Johns County.

1 / 65

Active

Active·1 day on market·Watersong At Rivertown

359 Pinellas Way

St. Johns, FL 32259

$500,000$276/sqftEst. $2,578/moMLS# 2159003

Beds

Baths

1,811

Sq Ft

2023

Built

Garage

Pool

About this home

Watersong At Rivertown

Built in 2023 and thoughtfully designed for effortless everyday living, this beautifully appointed Lane model offers the perfect blend of modern style, low-maintenance comfort, and exceptional value in the gated 55+ community of WaterSong at RiverTown. Warm luxury vinyl plank flooring flows throughout the home with no carpet, while soft gray Shaker cabinetry, quartz countertops, recessed LED lighting, and elegant eight-foot interior doors create a bright, sophisticated atmosphere from the moment you step inside. A welcoming foyer with designer woven lighting leads to an open-concept floor plan where the spacious great room seamlessly connects to the screened lanai through stacking sliding glass doors, creating an inviting indoor-outdoor living experience. Just off the main living area, a stylish dry bar with quartz countertops, cabinetry, and a mini refrigerator nook adds both function and charm, making entertaining effortless. Double French doors open to a versatile office or den.

Cost to own

Mortgage calculator

Home Price

$500,000

Down Payment: 20%

$100,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,578

Principal & Interest: $2,578

Property taxes (est.): $665

Insurance (est.): $333

Estimated Total Monthly

$3,577

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,578

Property taxesest. at asking price, St. Johns County$665

HOAbilled monthly$211

Estimated total, before insurance$3,455/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.

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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2023)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of August 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 6, 2026Listed$500,000

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

Features

Price$500,000

Price / Sq Ft$276

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,811

Acres0.11 acres

Year Built2023

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

Address359 Pinellas Way, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,791.6 sq ft

Parcel Number0007240710

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

ViewPond

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, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringVinyl

# of Stories1

LaundryIn Unit

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