This home is in Watersong At Rivertown, St. Johns — a waterfront home in St. Johns County.
$518,510Pending3 bd · 3 ba · 2,102 sq ft
Pending·56 days on market·Watersong At Rivertown
54 Merchant Avenue
St. Johns, FL 32259
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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.
Next steps in Watersong At Rivertown
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Hurricane evacuation zone F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
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 homeAs 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (south)about 18 mi · 94 parking spaces
Closest park or preserve
Alpine Groves Park13 min drive · 1 mi of trails
Closest public boat ramp
Old Shand's Bridge Public Boat Ramp (shallow water)about 3 mi · St. Johns River
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 5 mi · St. Johns River
Closest youth league fields
Rivertown II Athletic Complex9 min drive · Soccer, Baseball, Basketball, Football, Pickleball, Softball
Closest grocery store
Publix8 min drive · 205 Rivertown Shops Dr, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 6:45 AM, sunset 5:35 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
History
Price & status history
- Oct 1, 2026Pending$518,510
- Sep 11, 2026Listed$518,510
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $267/sq ft; this home is listed at $247/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 343 Juniper Hills Drive, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS | Nov 2026 | $417,000 | $267 | 2/2 | 1,560 | 73 | 0.2 |
| 317 Crafton Circle, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Oct 2026 | $475,000 | $226 | 3/3 | 2,102 | 63 | 0.2 |
| 305 Crafton Circle, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES | Sep 2026 | $449,000 | $267 | 2/2 | 1,682 | 16 | 0.2 |
| 236 Hoptree Place, St. Johns, FL 32259Listed by EXP REALTY LLC | Oct 2026 | $429,000 | $275 | 3/2 | 1,560 | 15 | 0.3 |
| 254 Crafton Circle, St. Johns, FL 32259Listed by NON MLS (realMLS) | Oct 2026 | $524,756 | $276 | 2/2 | 1,900 | 0 | 0.3 |
| 633 Kendall Crossing Drive, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNS | Nov 2026 | $467,000 | $230 | 4/2 | 2,030 | 130 | 0.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MATTAMY REAL ESTATE SERVICES
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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 →Keep looking
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Pending194 Merchant AvenueSt. Johns, FL 32259
2 bd · 2 ba · 1,900 sq ft
$512,832Est. $2,730/moLot 121 - Located in WaterSong, RiverTown's gated 55+ community, residents enjoy resort-style amenities, fitness…
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For Sale74 Merchant AvenueSt. Johns, FL 32259
3 bd · 3 ba · 2,102 sq ft
$511,630Est. $2,723/moLot 110 - The Martinique offers a thoughtfully designed layout that balances open gathering spaces with private…
Listing Office: mattamy real estate services
Pending210 Merchant AvenueSt. Johns, FL 32259
3 bd · 3 ba · 2,102 sq ft
$510,831Est. $2,719/moLot 123 - Located in WaterSong, RiverTown's gated 55+ community, residents enjoy resort-style amenities, fitness…
Listing Office: mattamy real estate services
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Krista Fracke
Broker Associate
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