123 days on marketSingle Family Residence▼ Price cut: $14,900 (8/4)
$625,000
3-Bedroom Home in Watersong At Rivertown
106 KEY GRASS Court, St. Johns, FL 32259
Single Family Residence in Watersong At Rivertown, St. Johns
Watersong At Rivertown · St. Johns, FL 32259 · St. Johns
Listing data updated August 10, 2026 · refreshed twice daily
3Bedrooms
3Bathrooms
2,554Sq Ft
2020Year Built
$245Per Sq Ft
2-car garageFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
5% below
$/sq ft vs community
$245 here vs $258 median sold (12 mo)
Buyer leverage
Strong seller market
123 days on market
Under 1 month
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~27 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 12 of 12
Price vs recent sales
Asking $625k tops 12 of the last 12 closed sales; also one of the largest homes here at 2,554 sq ft
Listed at $625,000 — recent neighborhood median sale price ~$475,000 (nearby sales; deemed reliable, not an appraisal)
123 days on market
HOA ~$50/mo (estimate; confirm)
School district: St. Johns County SchoolCommunity built 2020–2026Weedman's Grocery · 4 min driveWoodpeckers Backyard BBQ · 4 min driveHarbor 210 Village · 6 min drive
Momentum Research · Watersong At Rivertown
Pricing & the Watersong At Rivertown market
How this home is priced against recent nearby sales, and where Watersong At Rivertown has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Watersong At Rivertown
Each dot is a closed sale since 2020 (392 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2020–2026. This home lists at $245/sq ft.
Median sale price by year
12-month median closed price, 2020–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2020–2026. Now 42 (normal).
Property timeline
This home’s history
2020BuiltPer public record
Jul 2, 2026First trackedObserved at $639,900
Aug 4, 2026Price cut$625,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$4,014/mo
Principal & interest $3,167/mo79%
Taxes $448/mo11%
Insurance $190/mo5%
HOA $50/mo1%
CDD $158/mo4%
$4,014/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
57/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area63
This home $245/sq ft vs the community 12-month median $258/sq ft.
Affordability0
List price $625,000 vs the community median $475,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~27 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2020 build. Obtain a property-specific quote.
Market liquidity55
Community median 109 days on market, ~0.9 months of supply (12-month record).
Renovation upside30
From a 2020 build and $245/sq ft vs the community median $258/sq ft. Not a condition assessment.
Buyer competition67
33% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power69
Recent sales closed at about 94.2% of original asking (~5.8% below). More room below asking generally favors buyers.
Market timing58
Momentum Market Heat is 42/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 0.9 months of supply in the surrounding market and 123 days on market for this home, against a 109-day area median.Days on market:this home 123Area median: 109 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 5, 2026.
🟡 Asking $245 per square foot, about 5% below the community’s $258 median. Watersong At Rivertown’s 12-month median sold price per square foot is $258. Median sold price per square foot is down 4.8% year over year. Confidence: Very High · 129 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Watersong At Rivertown sales closed near 94.2% of original asking. Cash paid for about 33% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending August 5, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 10 active listings in Watersong At Rivertown.
Updated August 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to this beautifully upgraded home in WaterSong at RiverTown, a gated, 55+ active adult community in St. Johns County where resort style living meets everyday comfort. The gourmet kitchen features rich maple cabinetry, Silestone quartz countertops, a floor to ceiling backsplash, and a custom granite laundry countertop.
A whole house reverse osmosis system connects to the kitchen sink, refrigerator, and utility tub. The primary suite offers an expanded bedroom with sitting area, dual walk in closets, and a spa inspired bath. Guests will appreciate the upgraded secondary ensuite with its own shower.
Designer finishes include crown molding, 4'' plantation shutters, decorator ceiling fans, a dramatic tiled dining accent wall, and tile flooring throughout. The heated and air conditioned golf cart garage, not included in square footage, offers a finished 10' x 13' room, two oversized storage closets, a refrigerator outlet, and laundry tub. The oversized main garage ncludes custom heavy duty shelving, pull down attic stairs, and additional storage.
Enjoy year round Florida living in the enclosed lanai with vinyl windows and custom blinds. Professionally installed gutters and whole house surge protection provide added peace of mind. Residents enjoy private, age restricted amenities including a pool, clubhouse, fitness center, and social events, plus full access to RiverTown amenities featuring walking and biking trails, kayak launches on the St.
Johns River, multiple pools, a riverfront pier, and community events. This home offers luxury, low maintenance living, and an active lifestyle in one of Northeast Florida's most desirable communities.
Description provided by RE/MAX SPECIALISTS and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$625,000
Bed / bath3 / 3
Living area2,554 sq ft
Year built2020
Property typeSingle Family Residence
Garage2-car
MLS #2139124
Listing status123 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~27 ft
Windstorm exposureModerate
CountySt. Johns
Area listings10 active · 10 under contract
Estimated first-year tax~$5,375/yr
CDD assessment~$1,900/yr
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$245
Estimated monthly payment$4,014
Insurance (illustrative)$2k–$4k/yr
Messtimate range$658,932 – $676,810
Comparable-sales median$475,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$658,932the mess$676,810
Actual list price: $625,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 3% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 123 days on market vs. a 109-day community median
9 active listings competing, 12 under contract
≈0.9 months of supply
129 closed here in the last 12 months
For reference, this home is listed at $625,000 ($245/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,554 sq ft × $258–$265/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 10, 2026.
Keep looking
Similar homes for sale near Watersong At Rivertown
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $625,000Momentum Realty · on market 123 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$5,375/yr
A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
~$1,900/yr
A Community Development District bond funds roads & amenities; it appears on your tax bill and is not optional.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~27 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in Watersong At Rivertown
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Watersong At Rivertown neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$475,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$258
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Watersong At Rivertown
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
CR 210 widening westbound lanes set to reopen in St. Johns County
News4Jax reported that all westbound lanes of the County Road 210 widening project in St. Johns County were expected to reopen by the end of Friday, July 31, 2026, ahead of the August 10 school year start. The county said it is managing 44 active road projects totaling $183.1 million this year.
Why it matters: Expands roadway capacity on a major county corridor, improving traffic flow and supporting continued growth along the CR 210 area. The project is about 11 miles east of Watersong At Rivertown, elsewhere in St. Johns County.
Six agricultural enclave projects seek to develop 6,500-plus acres in St. Johns County
Jacksonville Today reported that St. Johns County received six proposals totaling more than 6,558 acres for development under a new Florida agricultural enclave law that took effect July 1, 2026. The largest proposal, about 4,462 acres north of Nocatee, comes from the Davis family and the PARC Group. The County Commission scheduled a public hearing on the proposals for August 19, 2026.
Why it matters: Signals a large potential expansion of developable land and future housing and commercial capacity, using a new state process that can convert farmland to residential and commercial use with reduced local review. The project is about 13 miles east of Watersong At Rivertown, elsewhere in St. Johns County.
Publix opens and more retailers coming to Marketplace at Nocatee
An official Nocatee business update reported that a Publix supermarket with a pharmacy drive-thru and adjacent Publix Liquors has opened at Marketplace at Nocatee. Additional announced tenants include SoFresh in late summer 2026, a Gate gas station, BODYBAR Pilates, a nail spa and a wine and spirits shop. The Hub at Nocatee entertainment concept is slated for 2028.
Why it matters: Expands grocery, dining and everyday retail capacity at a growing town center, adding anchor and service tenants that build out the commercial base of the area. The project is about 13 miles east of Watersong At Rivertown, elsewhere in St. Johns County.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 6 miles west of Watersong At Rivertown.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Weedman's Grocery 4 min
Dining
Woodpeckers Backyard BBQ 4 min
Shopping
Harbor 210 Village 6 min
Parks
Trout Creek Memorial Park and Marina 6 min
Assigned schools
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Freedom Crossing Academy (St. Johns)Public K-8 · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Liberty Pines Academy (St. Johns)Public K-8 · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Bartram Trail High School (St. Johns)Public 9-12 · St. Johns County School District · Grade A (Florida DOE 2025-26)
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jul 2026
$585,500
206 PELTON Place, St. Johns
2 / 2.5 bd/ba · 2,210 sq ft · $265/sq ft
Courtesy of MATTAMY REAL ESTATE SERVICES · View details →
Sold Jun 2026
$547,500
197 MERCHANT Avenue, St. Johns
2 / 2.5 bd/ba · 2,121 sq ft · $258/sq ft
Courtesy of MATTAMY REAL ESTATE SERVICES · View details →
Sold Jul 2026
$461,500
149 CRAFTON Circle, St. Johns
3 / 3 bd/ba · 2,089 sq ft · $221/sq ft
Courtesy of MATTAMY REAL ESTATE SERVICES · View details →
Sold Jul 2026
$518,000
280 LADYSLIPPER Drive, St. Johns
2 / 2 bd/ba · 1,920 sq ft · $270/sq ft
Courtesy of EXP REALTY LLC · View details →
Sold Jul 2026
$505,000
320 PELTON Place, St. Johns
2 / 2 bd/ba · 1,917 sq ft · $263/sq ft
Courtesy of MATTAMY REAL ESTATE SERVICES · View details →
Sold Jul 2026
$494,000
240 PELTON Place, St. Johns
2 / 2 bd/ba · 1,917 sq ft · $258/sq ft
Courtesy of MATTAMY REAL ESTATE SERVICES · View details →
Community 12-month median: $258/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,865 – $4,167/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,237 – −$65At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
St. Johns
Groceries, dining, and parks for this city — see the city guide.
realMLS, refreshed twice daily (last: August 10, 2026)
Community market stats
realMLS closed sales, as of August 5, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. Amounts vary by parcel; confirm the exact figure for this property with the county.
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Are short-term rentals allowed?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 106 KEY GRASS Court in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
