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·2 days on market·Watersong At Rivertown

87 Pinellas Way

St. Johns, FL 32259

$550,000$287/sqftEst. $2,825/moMLS# 2160734

Beds

Baths

1,914

Sq Ft

2022

Built

Garage

Pool

About this home

Watersong At Rivertown

Perfectly positioned to capture tranquil pond and preserve views in the gated 55+ community of WaterSong at RiverTown, this beautifully appointed Pier model offers 1,914 square feet of thoughtfully designed living space with 2 bedrooms, 2 baths, a private office/den, and an extended covered and screened lanai designed for enjoying the Florida lifestyle. Built in 2022, the home welcomes you with soaring 10-foot ceilings, tray ceiling details in the foyer and hallway, recessed LED lighting, and luxury vinyl plank flooring flowing throughout the main living areas, bathrooms, and primary suite. French doors open to a versatile office or den, creating an ideal space for working from home, hobbies, or additional guest accommodations. At the heart of the home, the stylish kitchen combines sophisticated finishes with exceptional functionality, featuring quartz countertops, white Shaker cabinetry with brushed nickel linear hardware and four convenient slide-out shelves, a marbled elongated

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,825

Principal & Interest: $2,825

Property taxes (est.): $732

Insurance (est.): $367

Estimated Total Monthly

$3,923

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,825

Property taxesest. at asking price, St. Johns County$732

HOAbilled monthly$211

Estimated total, before insurance$3,768/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,672 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 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 19, 2026Listed$550,000

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

Features

Price$550,000

Price / Sq Ft$287

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,914

Acres0.16 acres

Year Built2022

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

Address87 Pinellas Way, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0007240530

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, Trees/Woods

Waterfront TypePond