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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·5 days on market·Watersong At Rivertown

90 Merchant Avenue

St. Johns, FL 32259

$461,862$275/sqftEst. $2,558/mo mortgageMLS# 2169055

Beds

Baths

1,682

Sq Ft

2026

Built

Garage

Pool

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FEMA Zone XHOA $211/moWaterfrontSingle Family Residence1 storyNew construction

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About this home

Watersong At Rivertown

Lot 112 - The Antigua is thoughtfully designed for both everyday comfort and effortless entertaining. Just beyond the foyer, a secondary bedroom and a study in lieu of the flex room provide space for guests, work, or hobbies. The open-concept kitchen, dining area, and Great Room create a bright, inviting central gathering space, while the expansive lanai extends the living area outdoors. Privately located at the rear of the home, the owner's suite offers a peaceful retreat with convenient access to both the Great Room and lanai. A laundry door connecting the laundry room and owner's closet adds everyday convenience, and the golf cart garage provides additional storage and easy access for exploring the community. Located in WaterSong at RiverTown, a gated 55+ community, residents enjoy resort-style amenities, fitness classes, walking trails, lakes, parks, and a vibrant calendar of social events.

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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$2,558

Property taxesest. at asking price, St. Johns County$615

HOAbilled monthly$211

Estimated total, before insurance$3,384/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

$461,862

Down Payment: 20%

$92,372

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,558

Principal & Interest: $2,558

Property taxes (est.): $615

Insurance (est.): $308

Estimated Total Monthly

$3,481

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 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.

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 Park
13 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 Launch
about 5 mi · St. Johns River
Closest youth league fields
Rivertown II Athletic Complex
9 min drive · Soccer, Baseball, Basketball, Football, Pickleball, Softball
Closest grocery store
Publix
8 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 7:31 AM, sunset 6:52 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 13, 2026Listed$461,862

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 $270/sq ft; this home is listed at $275/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
197 Merchant Avenue, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Jun 2026	$547,500	$258	2/2.5	2,121	189	0.1
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
305 Crafton Circle, St. Johns, FL 32259Listed by MATTAMY REAL ESTATE SERVICES	Sep 2026	$449,000	$267	2/2	1,682	16	0.3
244 Juniper Hills Drive, St. Johns, FL 32259Listed by WATSON REALTY CORP	Aug 2026	$420,000	$266	3/2	1,576	149	0.3

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$461,862

Price / Sq Ft$275

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,682

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

School Information

Zoned elementaryHallowes Cove Academy

Zoned middleHallowes Cove Academy

Zoned highBartram Trail High School

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.

Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address90 Merchant Avenue, St. Johns, FL 32259

Area302-Orangedale Area

SubdivisionWatersong At Rivertown

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0007291120

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

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, Gas Oven, 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 13, 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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