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This home is in Watersong At Rivertown, St. Johns — a waterfront home in St. Johns County.

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Active·Listed today·Watersong At Rivertown

54 Merchant Avenue

St. Johns, FL 32259

$518,510$247/sqftEst. $2,693/moMLS# 2164410

Beds

Baths

2,102

Sq Ft

2026

Built

Garage

Pool

About this home

Watersong At Rivertown

Lot 108 - The Martinique blends open-concept living with thoughtfully designed spaces for comfort and flexibility. The kitchen with a walk-in pantry overlooks the dining area and Great Room, creating an ideal space for everyday living and entertaining. A private study just off the foyer offers added versatility, while the owner's suite is tucked away for privacy and easy access to the lanai. A 4-foot garage extension provides extra room for storage, recreational gear, or a golf cart. Located in WaterSong, RiverTown's gated 55+ community, residents enjoy resort-style amenities, fitness classes, walking trails, lakes, parks, and a vibrant social calendar filled with food trucks, wine nights, trivia, bunco, nature walks, and more.

Cost to own

Mortgage calculator

Home Price

$518,510

Down Payment: 20%

$103,702

Interest Rate: 6.76%

Loan Term

Monthly Payment

$2,693

Principal & Interest: $2,693

Property taxes (est.): $690

Insurance (est.): $346

Estimated Total Monthly

$3,729

*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$2,693

Property taxesest. at asking price, St. Johns County$690

HOAbilled monthly$211

Estimated total, before insurance$3,594/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 2026)

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

Sep 11, 2026Listed$518,510

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

Features

Price$518,510

Price / Sq Ft$247

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,102

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

New ConstructionYes

Direction FacesSoutheast

Community Information

Address54 Merchant Avenue, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007291080

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Freezer, Gas Cooktop, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

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

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Front Porch, Rear Porch

RoofShingle

ConstructionFiber Cement, Frame

Additional Information

Date ListedSeptember 11, 2026

Days on Market0

HOA Fees$211 / Monthly

HOA FrequencyMonthly

Listing TermsCash, Conventional, FHA, VA Loan, Other

55+ CommunityYes

New ConstructionYes

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: MATTAMY REAL ESTATE SERVICES

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

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