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.

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Active

Active·Listed today·Watersong At Rivertown

361 Pelton Place

St. Johns, FL 32259

$545,000$285/sqftEst. $2,799/moMLS# 2161160

Beds

Baths

1,914

Sq Ft

2024

Built

Garage

Pool

About this home

Watersong At Rivertown

Enjoy the benefits of new construction without the wait in this extensively upgraded, move-in-ready home. Less than two years new and loaded with designer upgrades from the moment you walk through the door, this stunning Pier model in Watersong at Rivertown is move-in ready and better than new construction. With 1,914 square feet, 2 bedrooms, a private den, and 2 beautifully appointed bathrooms, every inch of this home was thoughtfully curated with no carpet or compromises. The custom millwork tells you right away this isn't a standard build. A crafted front hallway entry sets the tone, flowing into a dining room dressed in board and batten with an upgraded beaded chandelier, and a great room anchored by a matching accent wall and warm beamed ceiling. The kitchen is a true heart-of-home moment with white quartz countertops with soft gray veining, Shaker cabinetry, brushed nickel hardware, a pantry closet, and a dining island crowned with designer pendant lighting. The full Whirlpool

Cost to own

Mortgage calculator

Home Price

$545,000

Down Payment: 20%

$109,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,799

Principal & Interest: $2,799

Property taxes (est.): $725

Insurance (est.): $363

Estimated Total Monthly

$3,887

*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$2,799

Property taxesest. at asking price, St. Johns County$725

HOAbilled monthly$211

Estimated total, before insurance$3,735/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 2024)

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

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 21, 2026Listed$545,000

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

Features

Price$545,000

Price / Sq Ft$285

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,914

Acres0.16 acres

Year Built2024

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

Address361 Pelton Place, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0007242590

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

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, Gas Water Heater, Microwave, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile, Vinyl

# of Stories1

LaundryIn Unit, Sink

SecuritySecurity Gate, Smoke Detector(s)