Single Family Residence in Watersong At Rivertown, St. Johns · Built 2026
Watersong At Rivertown · St. Johns, FL 32259 · St. Johns
Listing data updated September 11, 2026 · refreshed twice daily
3Bedrooms
3Bathrooms
2,102Sq Ft
2026Year Built
$247Per Sq Ft
Waterfront2-car garageNew construction
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
4% below
$/sq ft vs community
$247 here vs $257 median sold (12 mo)
Buyer leverage
Strong seller market
1.0-month supply
1.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 11, 2026, 54 MERCHANT Avenue in Watersong At Rivertown, St. Johns is listed at $518,510 (2,102 sq ft, about $247 per sq ft). That sits within a few percent of Watersong At Rivertown's median closed sale of $468,000 over the last 12 months (127 recorded sales). It came to market within the past week. Listing facts: new construction, waterfront, HOA dues of $211/mo, a CDD assessment of about $1,900/yr. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
CDD assessment ~$1,900/yr
New construction — built 2026
2,102 sq ft of living area
2-car garage
Listed at $518,510 — recent neighborhood median sale price ~$468,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $211/mo (per listing)
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 (402 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 $247/sq ft.
Median sale price by year
12-month median closed price, 2020–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2021–2026. Now 30 (cold).
Property timeline
This home’s history
2026BuiltPer public record
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
$3,556/mo
Principal & interest $2,679/mo75%
Taxes $372/mo10%
Insurance $136/mo4%
HOA $211/mo6%
CDD $158/mo4%
$3,556/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Strongest on: Pricing power (73), Market timing (70)
0 limited50100 exceptional
53/100 is below average 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 area60
This home $247/sq ft vs the community 12-month median $257/sq ft.
Affordability32
List price $518,510 vs the community median $468,000. Not a measure of personal affordability.
Market liquidity54
Community median 113 days on market, ~1.0 months of supply (12-month record).
Renovation upside30
From a 2026 build and $247/sq ft vs the community median $257/sq ft. Not a condition assessment.
Pricing power73
Recent sales closed at about 93.3% of original asking (~6.7% below). More room below asking generally favors buyers.
Market timing70
Momentum Market Heat is 30/100 (cold). 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
🟡 Asking $247 per square foot, about 4% below the community’s $257 median. Watersong At Rivertown’s 12-month median sold price per square foot is $257. Median sold price per square foot is down 5.2% year over year. Confidence: Very High · 127 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 93.3% of original asking.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 September 10, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 11 active listings in Watersong At Rivertown.
Updated September 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Lot 108 - The Martinique blends open-concept living with thoughtfully designed spaces for comfort and flexibility. The kitchen with a walk-in pantry overlooks the dining area and Great Room, creating an ideal space for everyday living and entertaining. A private study just off the foyer offers added versatility, while the owner's suite is tucked away for privacy and easy access to the lanai.
A 4-foot garage extension provides extra room for storage, 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 filled with food trucks, wine nights, trivia, bunco, nature walks, and more.
Description provided by MATTAMY REAL ESTATE SERVICES 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$518,510
Bed / bath3 / 3
Living area2,102 sq ft
Year built2026
Property typeSingle Family Residence
Garage2-car
MLS #2164410
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountySt. Johns
Area listings11 active · 9 under contract
Estimated first-year tax~$4,459/yr
CDD assessment~$1,900/yr
HOA (per listing)$211/mo
Calculated estimates
Price per sq ft$247
Estimated monthly payment$3,556
Insurance (illustrative)$1k–$2k/yr
Messtimate range$538,112 – $567,540
Comparable-sales median$468,000
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.
$538,112the mess$567,540
Actual list price: $518,510 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 5% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $211/mo and a CDD assessment of about $1,900/yr; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
13 active listings competing, 8 under contract
≈1.0 months of supply
127 closed here in the last 12 months
For reference, this home is listed at $518,510 ($247/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: 2,102 sq ft × $256–$270/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 11, 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 $518,510Momentum Realty · on market 0 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.)
~$4,459/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)
$1k–$2k/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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$211/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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
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.
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Listed by MATTAMY REAL ESTATE SERVICES · MLS # 2164410
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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
$468,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$257
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 Sep 2026
$565,000
148 KELLET Way, St. Johns
2 / 2 bd/ba · 1,932 sq ft · $292/sq ft
Courtesy of EXP REALTY LLC · 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 Aug 2026
$512,155
87 MERCHANT Avenue, St. Johns
2 / 2 bd/ba · 1,900 sq ft · $270/sq ft
Courtesy of MATTAMY REAL ESTATE SERVICES · View details →
Sold Aug 2026
$449,000
133 CRAFTON Circle, St. Johns
2 / 2 bd/ba · 1,896 sq ft · $237/sq ft
Courtesy of MATTAMY REAL ESTATE SERVICES · View details →
Sold Sep 2026
$480,000
186 LADYSLIPPER Drive, St. Johns
2 / 2 bd/ba · 1,876 sq ft · $256/sq ft
Courtesy of EXP REALTY LLC · View details →
Community 12-month median: $257/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$2,377 – $3,457/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.0%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,250 – −$278At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 54 MERCHANT Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $211/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
A CDD assessment of about $1,900/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 2,102 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,459/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
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: September 11, 2026)
Community market stats
realMLS closed sales, as of September 10, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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
How big is 54 MERCHANT Avenue and when was it built?
Per the listing record, 54 MERCHANT Avenue was built in 2026 and has 2,102 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 54 MERCHANT Avenue in?
54 MERCHANT Avenue is in Watersong At Rivertown in St. Johns, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Watersong At Rivertown from the same MLS data.
Does 54 MERCHANT Avenue have an HOA, and how much are the dues?
The listing reports HOA dues of $211 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
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. This parcel shows a CDD assessment of about $1,900 per year; confirm the exact figure with the county.
Why might property taxes on 54 MERCHANT Avenue differ from the current owner's?
The estimate on this page (about $4,459 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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 at 54 MERCHANT Avenue?
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.
Is 54 MERCHANT Avenue in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 54 MERCHANT Avenue 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.
