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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Active·3 days on market·Watersong At Rivertown

206 Pinellas Way

St. Johns, FL 32259

$545,000$285/sqftEst. $2,983/moMLS# 2167343
2
Beds
2
Baths
1,914
Sq Ft
2022
Built
2
Garage
No
Pool

29 more homes for sale in Watersong At Rivertown →Search Watersong At Rivertown on the map

FEMA Zone XHOA $211/mo9,148 sqft lotSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Watersong At Rivertown

Set on an oversized 0.21-acre pie-shaped preserve lot, this beautifully maintained Pier model offers privacy, space, and effortless indoor-outdoor living in the gated 55+ community of WaterSong at RiverTown. Built in 2022 and offering 1,914 square feet, the home features 2 bedrooms, 2 baths, a private office/den, and a 2-car garage, with wide-plank luxury vinyl plank flooring throughout, no carpet anywhere. The open-concept living area is designed for both comfortable everyday living and entertaining. The spacious great room features recessed lighting, built-in surround sound ceiling speakers, and direct access to the extended covered and screened lanai. The adjoining dining area is filled with natural light from clerestory windows and also opens directly to the lanai, creating an easy flow between indoor and outdoor spaces. At the center of the home, the kitchen combines clean, timeless finishes with excellent functionality. White quartz countertops, white subway tile backsplash, soft

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.28% · 30yr$2,983
Property taxesest. at asking price, St. Johns County$725
HOAbilled monthly$211
Estimated total, before insurance$3,919/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$545,000
$109,000
Loan Term
Monthly Payment
$2,983
Principal & Interest: $2,983
Property taxes (est.): $725
Insurance (est.): $363
Estimated Total Monthly
$4,072
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

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 2022)

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

Solar potential: ~1,669 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 October 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

  • Oct 1, 2026Listed$545,000

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

Features

Price$545,000
Price / Sq Ft$285
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,914
Acres0.21 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
55+ CommunityYes

School Information

Community Information

Address206 Pinellas Way, St. Johns, FL 32259
Area302-Orangedale Area
SubdivisionWatersong At Rivertown
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size9,147.6 sq ft
Parcel Number0007241130

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)
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
# of Stories1
LaundryIn Unit, Sink
SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Screened
RoofShingle
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedOctober 1, 2026
Days on Market3
HOA Fees$211 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesSecurity
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

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 →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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