Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie'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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Pending

Pending·5 days on market·Watersong At Rivertown

218 Merchant Avenue

St. Johns, FL 32259

$497,456$237/sqftEst. $2,755/moMLS# 2167899

Beds

Baths

2,102

Sq Ft

2026

Built

Garage

Pool

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

HOA $211/moWaterfrontSingle Family Residence1 storyNew construction

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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.

Call (904) 709-7917 Text Krista

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

About this home

Watersong At Rivertown

Lot 124 - Located in WaterSong, residents enjoy resort-style amenities, fitness facilities, parks, scenic trails, and year-round opportunities to connect and explore along the St. Johns River.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,755

Property taxesest. at asking price, St. Johns County$662

HOAbilled monthly$211

Estimated total, before insurance$3,628/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

Home Price

$497,456

Down Payment: 20%

$99,491

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,755

Principal & Interest: $2,755

Property taxes (est.): $662

Insurance (est.): $332

Estimated Total Monthly

$3,749

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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.

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 7:26 AM, sunset 7:00 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 5, 2026Listed$497,456

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 $276/sq ft; this home is listed at $237/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
87 Merchant Avenue, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Aug 2026	$512,155	$270	2/2	1,900	0	0.1
47 Noble Oak Drive, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC	Sep 2026	$794,000	$342	3/2.5	2,324	181	0.3
704 Kendall Crossing Drive, St. Johns, FL 32259Listed by EAGLES WORLD REALTY, INC	Aug 2026	$525,000	$227	3/2.5	2,316	16	0.3
254 Crafton Circle, St. Johns, FL 32259Listed by NON MLS (realMLS)	Oct 2026	$524,756	$276	2/2	1,900	0	0.4
94 Slip Cove, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC	Oct 2026	$679,000	$292	4/3	2,324	37	0.4
305 Crafton Circle, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$449,000	$267	2/2	1,682	16	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

Price$497,456

Price / Sq Ft$237

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,102

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

New ConstructionYes

Direction FacesSoutheast

Community Information

Address218 Merchant Avenue, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007291240

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)

Community FeaturesSidewalks, Street Lights, Restaurant, Gated, Curbs

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Other

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, Gas Cooktop, Microwave

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity Gate

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Front Porch, Rear Porch

RoofShingle

ConstructionFiber Cement, Frame

Additional Information

Date ListedOctober 5, 2026

Days on Market0

HOA Fees$211 / Monthly

HOA FrequencyMonthly

Listing TermsCash, Conventional, FHA, VA Loan, Other

55+ CommunityYes

New ConstructionYes

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.

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