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This home is in Watersong At Rivertown, St. Johns — a home near Bartram Trail High School.

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Active

Active·4 days on market·Watersong At Rivertown

110 Fly Line Drive

St. Johns, FL 32259

$350,000$245/sqftEst. $1,818/moMLS# 2164230

Beds

Baths

1,430

Sq Ft

2023

Built

Garage

Pool

About this home

Watersong At Rivertown

Enjoy effortless Florida living in this beautifully appointed River model villa in the gated 55+ community of WaterSong at RiverTown. Built in 2023 and offering 1,430 square feet, this thoughtfully designed home features 2 bedrooms, 2 baths, a private office/den, a 2-car garage, tranquil pond views, and a low-maintenance lifestyle that makes it an ideal primary residence, seasonal retreat, or second home. Step inside to find wood-look ceramic tile plank flooring throughout, recessed LED lighting, designer window and door casings, and stylish updated lighting that brings warmth and personality to the home. Just off the entry, a flexible office or den with barn door entry provides the perfect space for working from home, hobbies, or additional guest accommodations. The open-concept living area is designed for easy everyday living and entertaining. The spacious great room is accented by Roman shades and flows seamlessly into the dining area. At the heart of the home, the kitchen

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$1,818

Principal & Interest: $1,818

Property taxes (est.): $466

Insurance (est.): $233

Estimated Total Monthly

$2,517

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$1,818

Property taxesest. at asking price, St. Johns County$466

HOAbilled monthly$487

Estimated total, before insurance$2,771/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 2023)

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

Solar potential: ~1,515 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 10, 2026Listed$350,000

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

Features

Price$350,000

Price / Sq Ft$245

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,430

Acres0.10 acres

Year Built2023

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

School Information

ElementaryHallowes Cove Academy

MiddleHallowes Cove Academy

HighBartram Trail

Community Information

Address110 Fly Line Drive, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,356 sq ft

Parcel Number0007241630

Amenities

AmenitiesPool, Other, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Cable Not Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LaundryIn Unit

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

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Front Porch, Patio, Screened

RoofShingle

Road SurfacePaved

Road FrontagePrivate Road

Additional Information

Date ListedSeptember 10, 2026

Days on Market0

HOA Fees$487 / Monthly

HOA FrequencyMonthly

HOA Fee IncludesMaintenance Grounds, Security, Other

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityYes

New ConstructionNo

The neighborhood

About Watersong At Rivertown

Watersong At Rivertown is a neighborhood in RiverTown, FL (St. Johns County), ZIP 32259.

View all Watersong At Rivertown homes for sale →

Listing Courtesy of: EXP REALTY LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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