This home is in Watersong At Rivertown, St. Johns — a gated community home in St. Johns County.
Active·Listed today·Watersong At Rivertown
64 Merchant Avenue
St. Johns, FL 32259
About this home
Watersong At Rivertown
Lot 109 - The Cayman welcomes you with an open, airy layout designed for effortless living and entertaining. The spacious kitchen features a large island overlooking the dining area and Great Room, creating a seamless flow for everyday living. A striking 12-foot multi-sliding glass door opens to the lanai, extending the living space outdoors. A private study offers flexibility for working from home or pursuing hobbies, while a secondary bedroom provides comfort for guests. Tucked away at the rear of the home, the owner's suite offers a peaceful retreat and includes convenient laundry room access through the walk-in closet. A 4-foot garage extension adds valuable storage space for tools, 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 featuring food trucks, wine nights, trivia, bunco, nature walks, and more.
Cost to own
Mortgage calculator
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.
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 homeThis 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$499,276
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
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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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines