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·3 days on market·Watersong At Rivertown

236 Hoptree Place

St. Johns, FL 32259

$439,900$282/sqftEst. $2,273/moMLS# 2163286

Beds

Baths

1,560

Sq Ft

2021

Built

Garage

Pool

About this home

Watersong At Rivertown

Beautifully upgraded and ideally positioned within WaterSong at RiverTown 55+, this Trail model enjoys a particularly desirable setting on Hoptree Place. A community cart path runs along the side of the property, creating additional separation and privacy, while a charming park at the center of the street provides an inviting gathering place for residents. Offering 1,560 square feet with 2-3 bedrooms, 2 baths, a 2-car garage, and a comfortable open-concept layout, this thoughtfully designed home is made for easy Florida living. Step inside to find luxury vinyl plank flooring throughout, crown molding, upgraded lighting, recessed LEDs, and tray ceilings in the foyer and primary suite. The flexible third bedroom features a closet and custom lighting, making it equally well suited as a guest room, home office, den, or hobby space. The spacious great room opens to the covered and screened lanai through sliding glass doors with motorized shades, while a striking metal orb chandelier adds a

Cost to own

Mortgage calculator

Home Price

$439,900

Down Payment: 20%

$87,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,273

Principal & Interest: $2,273

Property taxes (est.): $585

Insurance (est.): $293

Estimated Total Monthly

$3,152

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,273

Property taxesest. at asking price, St. Johns County$585

HOAbilled monthly$211

Estimated total, before insurance$3,070/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 2021)

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

Solar potential: ~1,718 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 September 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

Sep 3, 2026Listed$439,900

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

Features

Price$439,900

Price / Sq Ft$282

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,560

Acres0.18 acres

Year Built2021

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

Address236 Hoptree Place, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size7,840.8 sq ft

Parcel Number0007211050

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), Other

AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

# of Stories1

LaundryIn Unit

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