WaterSong at RiverTown sits inside the larger RiverTown master-planned community along the St. Johns River, roughly halfway between Jacksonville and St. Augustine. It is the only 55+ community in this market where residents get two separate clubhouses: their own private WaterSong amenities and full access to RiverTown's RiverClub and RiverHouse facilities. That dual-access structure is the defining feature — and it comes with a cost structure that buyers need to understand before they budget.
Most 55+ communities in St. Johns County give you one clubhouse. WaterSong residents get two — with a key carve-out buyers miss in marketing materials: WaterSong amenities are exclusive to WaterSong residents only, while the broader RiverTown amenities (RiverClub, RiverHouse, boardwalk, kayak launch) are shared with the full RiverTown community. That means your private pool stays 55+ only, but the river amenities are multi-generational.
| Cost Item | Amount | Notes |
|---|---|---|
| HOA | ~$5/month | Covers ground maintenance only |
| CDD Assessment | Verify with county | Appears on annual tax bill — not in HOA |
| RiverTown Master Fees | Included in CDD/HOA structure | Covers shared RiverTown amenity access |
| Property Tax (on $450K home) | ~$5,051–$5,384/year | St. Johns County 13.47 mills; year-1 after SOH reset |
To find the exact CDD amount for a specific WaterSong homesite, search the parcel at the St. Johns County Property Appraiser website (sjcpa.us) and look for the CDD line in the tax detail. The seller is legally required to disclose CDD status but not always the specific annual amount.
WaterSong is technically in St. Johns, FL — not St. Augustine city limits and not Jacksonville, though both are accessible. From WaterSong: approximately 20 minutes to downtown St. Augustine, 25 minutes to Jacksonville, 30 minutes to St. Johns County beaches. Mayo Clinic Jacksonville is about 30 minutes north on I-95.
The RiverTown location also puts you in a flood zone context worth researching. The St. Johns River is scenic but it does flood. Ask your agent for the specific flood zone designation for any WaterSong homesite and factor flood insurance into your monthly cost estimate before you write an offer.
Buyers who want waterfront access without waterfront pricing, who value outdoor recreation (kayaking, fishing, nature trails) as a daily option rather than a weekend trip, and who are comfortable in a master-planned community where some amenities are shared with non-55 neighbors. It is not the right fit for buyers who want a fully age-isolated environment — the dual-amenity structure means you will regularly interact with the broader RiverTown community at shared facilities.
WaterSong CDD amounts, available floor plans, and current resale inventory change frequently. Talk to an agent who tracks this market specifically.
Get Connected →HOA figures sourced from builder and county records. CDD amounts vary by parcel and must be verified at sjcpa.us or via seller disclosure. Property tax estimates use 2025 St. Johns County millage of 13.47 mills with standard $50,000 homestead exemption. This page is for research purposes only and does not constitute financial or legal advice.