Single Family Residence in Durbin Crossing, St. Johns · No CDD
Durbin Crossing · St. Johns, FL 32259 · St. Johns
Listing data updated September 15, 2026 · refreshed twice daily
4Bedrooms
3.5Bathrooms
3,159Sq Ft
2012Year Built
$250Per Sq Ft
Waterfront3-car garageNo CDD4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
21% above
$/sq ft vs community
$250 here vs $206 median sold (12 mo)
Buyer leverage
Seller-leaning
2.9-month supply
2.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 6 of 8
Price vs recent sales
Asking $790k tops 6 of the last 8 closed sales; also one of the largest homes here at 3,159 sq ft
As of September 15, 2026, 1745 PENNAN Place in Durbin Crossing, St. Johns is listed at $789,900 (3,159 sq ft, about $250 per sq ft). That is 68% above Durbin Crossing's median closed sale of $470,000 over the last 12 months (96 recorded sales). Per square foot it is above the community's recent $206/sq ft by about 21%. It came to market within the past week. Listing facts: built in 2012, waterfront, HOA dues of $6/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2012 · 14 yrs
3,159 sq ft of living area
3-car garage
Listed at $789,900 — recent neighborhood median sale price ~$470,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $6/mo (per listing)
School district: Schools Schools are the engine of demand at Durbin Crossing. The community sits in the St. Johns County SchoolCommunity built 2007–2019Baseball field St. Johns · 3 min driveTsaocaa St Johns · 4 min driveShops of RACETRAC · 5 min drive
Momentum Research · Durbin Crossing
Pricing & the Durbin Crossing market
How this home is priced against recent nearby sales, and where Durbin Crossing 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 Durbin Crossing
Each dot is a closed sale since 2002 (2996 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, 2012–2026. This home lists at $250/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 47 (normal).
Property timeline
This home’s history
2012BuiltPer public record
Sep 15, 2026First trackedObserved at $789,900
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.
Financing
Estimated monthly payment
$4,960/mo
Principal & interest $4,103/mo83%
Taxes $566/mo11%
Insurance $285/mo6%
HOA $6/mo0%
$4,960/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current St. Johns County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,050/yr ($338/mo)
+$5,925 more each year
(+146%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$325,015
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
32/100
Strongest on: Market liquidity (73), Market timing (53)
0 limited50100 exceptional
32/100 is limited 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 area0
This home $250/sq ft vs the community 12-month median $206/sq ft.
Affordability0
List price $789,900 vs the community median $470,000. Not a measure of personal affordability.
Market liquidity73
Community median 25 days on market, ~2.9 months of supply (12-month record).
Renovation upside15
From a 2012 build and $250/sq ft vs the community median $206/sq ft. Not a condition assessment.
Pricing power52
Recent sales closed at about 97.7% of original asking (~2.3% below). More room below asking generally favors buyers.
Market timing53
Momentum Market Heat is 47/100 (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
🟡 Asking $250 per square foot, about 21% above the community’s $206 median. Durbin Crossing’s 12-month median sold price per square foot is $206. Median sold price per square foot is down 1.1% year over year. Confidence: Very High · 96 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.
61% of homes in Durbin Crossing are owner-occupied. An estimated 39% are non-owner-occupied, including 8% held in a company or trust and 10% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 759 homes matched. Community-level context.
Recent Durbin Crossing sales closed near 97.7% 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 14, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 22 active listings in Durbin Crossing, no CDD assessment.
Updated September 15, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Gorgeous home on cul-de-sac overlooking large lake with preserve views. Beautiful stone exterior & columned front porch welcome you home. Formal entry leads to dining/flex space w/ tray ceiling & study w/ double glass doors.
Kitchen w/ island, backsplash, double ovens & walk-in pantry make daily meals a cinch. Large informal dining area adjoins oversized great room w/ access to screened porch. Downstairs main suite w/ dual vanities, garden tub, separate shower & large walk-in closet.
Powder room, laundry and drop zone to 3-car garage w/ built-ins complete the first floor. Upstairs boasts a large bonus room w/ 2 closets, 2 bedrooms w/ Jack & Jill bathroom. Add'l bedroom & hall bath offer flexibility.
Fully fenced backyard w/ paver patio & plenty of room for pool or just great yard space. Durbin Crossing offers 2 amenity centers, fitness, etc. Perfect opportunity to buy now and have tenants in place until early 2027 when sellers new home will be completed.
Roof 2025, HVAC 2024, HWH 2021
All 109 photos
Description provided by ROYAL HIGHLANDER REAL ESTATE CONSULTANTS, LLC. 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$789,900
Bed / bath4 / 3.5
Living area3,159 sq ft
Year built2012
Property typeSingle Family Residence
Garage3-car
MLS #2164761
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountySt. Johns
Area listings22 active · 7 under contract
Estimated first-year tax~$6,793/yr
CDD assessmentNone on record
HOA (per listing)$6/mo
Calculated estimates
Price per sq ft$250
Estimated monthly payment$4,960
Insurance (illustrative)$2k–$5k/yr
Comparable-sales median$470,000
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.
$571,779the mess$729,729
Actual list price: $789,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% 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 — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $6/mo; 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:
23 active listings competing, 7 under contract
≈2.9 months of supply
93 closed here in the last 12 months
For reference, this home is listed at $789,900 ($250/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: 3,159 sq ft × $181–$231/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 15, 2026.
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.
Listed for $789,900Momentum 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.)
~$6,793/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
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$5k/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
$6/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.
Seen enough photos?
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Listed by ROYAL HIGHLANDER REAL ESTATE CONSULTANTS, LLC. · MLS # 2164761
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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
3
Recent nearby closings in the data set.
Community median sale price
$470,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$206
Canonical 12-month median $/sq ft. Reference only.
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Aug 2026 · Retail Dining
Grocery anchor at Shops at Race Track Rd clears a 5.8 million dollar build out permit
St. Johns County issued a build out permit August 14 for the 26,740 square foot grocery store that will anchor the Shops at Race Track Rd at 4560 Race Track Road, about three miles west of Interstate 95. Jacksonville based Avant Construction Group is listed as contractor on the 5.8 million dollar job.
Why it matters: A permitted anchor historically pulls the rest of a center's small shop leasing forward, which could add everyday retail options west of the Durbin Park core.
Whole Foods anchored center announced for Durbin Park's next phase
Regency Centers announced The Berkeley at Durbin Park, a shopping center anchored by Whole Foods Market planned along East Peyton Parkway near the UF Health campus. Early tenant commitments reported include TJ Maxx, Firebirds Wood Fired Grill and Shake Shack, with groundbreaking targeted for the fourth quarter of 2026.
Why it matters: A grocery anchor of this profile could broaden everyday retail options at Durbin Park, which historically has supported buyer interest in the surrounding communities.
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.
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
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.
Patriot Oaks AcademyAssigned elementary school · St. Johns County School District
Patriot Oaks AcademyAssigned middle school · St. Johns County School District
GRADEA
CreeksideAssigned high school · St. Johns County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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 Aug 2026
$535,000
246 WILLOW WINDS Parkway, St. Johns
4 / 2 bd/ba · 2,468 sq ft · $217/sq ft
Courtesy of WATSON REALTY CORP · View details →
Sold Sep 2026
$739,000
233 ELLSWORTH Circle, St. Johns
4 / 4 bd/ba · 3,972 sq ft · $186/sq ft
Courtesy of NEXTHOME NEIGHBORHOOD REALTY · View details →
Sold Aug 2026
$945,000
1908 DUMFRIES Court, St. Johns
5 / 5 bd/ba · 4,032 sq ft · $234/sq ft
Courtesy of WATSON REALTY CORP · View details →
Community 12-month median: $206/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$3,620 – $5,266/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.8%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,445 – +$36At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 1745 PENNAN Place, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2012: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $6/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 3,159 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 $6,793/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 15, 2026)
Community market stats
realMLS closed sales, as of September 14, 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 1745 PENNAN Place and when was it built?
Per the listing record, 1745 PENNAN Place was built in 2012 and has 3,159 sq ft of living area, 4 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1745 PENNAN Place in?
1745 PENNAN Place is in Durbin Crossing in St. Johns, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Durbin Crossing from the same MLS data.
Does 1745 PENNAN Place have an HOA, and how much are the dues?
The listing reports HOA dues of $6 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 1745 PENNAN Place differ from the current owner's?
The estimate on this page (about $6,793 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.
Is 1745 PENNAN Place 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 1745 PENNAN Place 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.
