Single Family Residence in Durbin Crossing, St. Johns · No CDD · FEMA Zone X
Durbin Crossing · St. Johns, FL 32259 · St. Johns
Listing data updated July 3, 2026 · refreshed twice daily
5Bedrooms
3Bathrooms
2,909Sq Ft
2011Year Built
$215Per Sq Ft
3-car garageNo CDDFEMA Zone X5 bedrooms
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 2011 · 15 yrs
2,909 sq ft of living area
3-car garage
$215/sq ft — compared with the displayed median of $226 from recent nearby sales
Listed at $624,900 — recent neighborhood median sale price ~$727,450 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
This listing is shown at $624,900, with 5 bedrooms and 3 bathrooms, and 2,909 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms5
Bathrooms3
Living area2,909 sq ft
Year built2011
Property typeSingle Family Residence
Financial
Est. monthly payment$3,987
Est. taxes / yr~$5,374
Est. insurance / yr~$2,756
HOA$50/mo
CDDNone on record
Price / sq ft$215
Risk
Flood zoneZone X
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$2,756/yr
Market
Days on market1
Neighborhood median DOM27
Active listings (area)24
Months of supply3.0
Comparable-sales median$727,450
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$2,756/yr
Estimated homeowners premium; get a real quote.
Months of supply
3.0 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
57/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$3,987/mo
Principal & interest $3,259/mo82%
Taxes $448/mo11%
Insurance $230/mo6%
HOA $50/mo1%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
66/100
Strongest on: Flood safety (95), Insurance cost (76)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
Price vs area62
This home $215/sq ft vs area median $226/sq ft from recent nearby sales.
Affordability73
List price $624,900 vs area median $727,450. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost76
From FEMA Zone X and a 2011 build. Obtain a property-specific quote.
Market liquidity71
Area median 27 days on market, ~3.0 months of supply.
Investment metrics50
Objective supply and demand metrics for the area - not investment advice.
Renovation upside36
From a 2011 build and $215/sq ft vs area $226/sq ft. Not a condition assessment.
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.
Listing facts & disclosures
$624,900
List price
As listed in the MLS
5 / 3
Bed / bath
Per the listing
2,909
Living area
Sq ft (approx.)
$215
Price / sq ft
List ÷ living area
The home
Year built2011
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$5,374/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $637,071 – $759,249
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.
$637,071the mess$759,249
Actual list price: $624,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 19% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 1 days on market vs. a ~27-day neighborhood median
24 active listings competing in Durbin Crossing
14 under contract now
37% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈3.0 months of supply (one market-context metric; should not be used alone)
Median sale price is up 114% over the last 146 months
Homes here sell at about 99.8% of list price
96 closed here in the last 12 months
For reference, this home is listed at $624,900 ($215/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: 2,909 sq ft × $219–$261/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 3, 2026.
Market analysis
Durbin Crossing market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
24Active listings
14Under contract
0New this month
3.0Months of supply
27Median days on market
37%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
2011BuiltPer public record
Jul 2, 2026First trackedObserved at $624,900
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.
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$2,864 – $4,166/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.7%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,205 – −$34At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$624,900
Bed / bath5 / 3
Living area2,909 sq ft
Year built2011
Property typeSingle Family Residence
MLS #2153602
Listing statusNew — 1 days on market
Days on market1
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
CountySt. Johns
Estimated first-year tax~$5,374/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$215
Estimated monthly payment$3,987
Estimated insurance~$2,756/yr
Messtimate range$637,071 – $759,249
Comparable-sales median$727,450
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
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$3,987
Principal & interest$3,259
Property tax$448
Insurance$230
CDD assessment$0
HOA$50
PMI$0
Down payment $124,980 · Loan $499,920. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$5,374/yr
The seller likely pays less due to the homestead cap. At a $624,900 purchase, expect your first full-year St. Johns bill near $5,374 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$2,756/yr
Estimate for a 2011 build in St. Johns. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
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
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Durbin Crossing
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 Durbin Crossing neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$727,450
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$226
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$215
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Durbin Crossing
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.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Walmart Supercenter Pickup Drive Thru 7 min
Dining
Kazu Sushi and Sushi Burito 9 min
Shopping
Shops of RACETRAC 5 min
Parks
Baseball field St. Johns 3 min
In the area
Recent Durbin Crossing news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Development
Life Time reported under contract for a Durbin Park fitness site
A June 26 regional project update reported that Gate Petroleum confirmed Life Time went under contract June 18 for its proposed location in the Durbin Park area, advancing the roughly 85,000 square foot fitness center that a JEA service availability letter first signaled in March. It would be the health club chain's second Northeast Florida location.
Why it matters: Movement from early exploration to a contract may indicate the club operator is progressing toward a commitment near Durbin Crossing, though large recreation projects can still shift in timing or scope.
Life Time explores Durbin Park site for large fitness destination
Life Time Inc. is in early-stage exploration of an approximately 85,000 square foot, two-story fitness center in the Durbin Park area, signaled by a JEA service availability letter issued March 16, 2026. Preliminary plans include a roughly 65,000 square foot outdoor pool deck on land owned by Gate Petroleum affiliate Durbin Creek National, and the company cautioned the project remains early in the process.
Why it matters: Interest from a premium national health club operator may reflect strong household spending and daytime population trends around Durbin Park, though early-stage plans can change or stall.
Durbin Park Walmart plans 9,000 square foot pickup and delivery expansion
St. Johns County began reviewing a permit application filed February 4, 2026 to expand the 195,000 square foot Walmart Supercenter at The Pavilion at Durbin Park by about 9,000 square feet for online grocery pickup and delivery operations. The addition at the north end of the store ties into Walmart's national remodel and expansion initiative.
Why it matters: Anchor reinvestment in fulfillment capacity suggests the store is outperforming on e-commerce volume, which historically correlates with a healthy surrounding trade area.
UF Health Durbin Park medical office building advances as hospital targets 2026 opening
UF Health was issued a $7.5 million build-out permit in February 2026 for its three-story, 72,000 square foot medical office building at Durbin Park, slated to open in summer 2026. The adjacent hospital, a five-story facility of roughly 220,000 square feet with 99 beds and a 24-hour emergency department, remains on track for a fall 2026 opening near Race Track Road.
Why it matters: A full-service hospital campus minutes from Durbin Crossing adds a major employment and services anchor, and proximity to new medical infrastructure has historically been a durable locational plus.
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.
Patriot Oaks AcademyPublic K-8 (in community) · St. Johns County School District
Creekside High SchoolPublic High 9-12 · St. Johns County School District
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 May 2026
$520,000
145 THORNLOE Drive, St. Johns
4 / 2.5 bd/ba · 3,058 sq ft · $170/sq ft
Courtesy of MOMENTUM REALTY · View details →
Sold Jun 2026
$735,000
113 CHARMED Place, St. Johns
5 / 4 bd/ba · 3,257 sq ft · $226/sq ft
Courtesy of DD HOME REALTY INC · View details →
Sold Jun 2026
$719,900
184 ROCKCREEK Drive, St. Johns
4 / 3.5 bd/ba · 3,281 sq ft · $219/sq ft
Courtesy of WATSON REALTY CORP · View details →
Sold Jun 2026
$885,000
1261 LEITH HALL Drive, St. Johns
5 / 3.5 bd/ba · 3,330 sq ft · $266/sq ft
Courtesy of ROUND TABLE REALTY · View details →
Sold Jun 2026
$775,000
159 ROCKCREEK Drive, St. Johns
4 / 3.5 bd/ba · 3,452 sq ft · $225/sq ft
Courtesy of EPIQUE REALTY, INC · View details →
Sold Jun 2026
$600,000
189 ELLSWORTH Circle, St. Johns
4 / 3 bd/ba · 2,296 sq ft · $261/sq ft
Courtesy of GAILEY ENTERPRISES LLC · View details →
Median of the set: $226/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.
Keep looking
Similar homes for sale near Durbin Crossing
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.
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.
Listing description
About this home
Welcome to this beautifully appointed two-story home located on a quiet cul-de-sac in the highly desirable Durbin Crossing community. Offering 5 bedrooms, 3 bathrooms, and 2,909 square feet of living space, this home provides the perfect blend of comfort, functionality, and style. The stunning kitchen is sure to impress, featuring granite countertops, stainless steel appliances including a double oven, a large center island, and abundant cabinetry, making it ideal for both everyday living and entertaining. Additional highlights include a three-car garage, ample storage, and a prime location within one of Saint Johns' most sought-after communities. Residents of Durbin Crossing enjoy exceptional amenities, including resort-style pools, fitness centers, playgrounds, sports courts, and top-rated St. Johns County schools. Don't miss this opportunity to own a beautiful home in an outstanding location!
Description provided by TAH FLORIDA LLC and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms5
Bathrooms3
Living area2,909 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built2011
Age15 yrs
Listing
MLS #2153602
StatusActive
Days on market1
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.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $624,900Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
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.
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 1684 FENTON 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.
Momentum Realty · licensed in FL & GA
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.
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.
