Single Family Residence in Durbin Crossing, St. Johns · No CDD
Durbin Crossing · St. Johns, FL 32259 · St. Johns
Listing data updated September 13, 2026 · refreshed twice daily
5Bedrooms
4Bathrooms
3,834Sq Ft
2009Year Built
$260Per Sq Ft
Private pool3-car garageNo CDDFEMA Zone X5 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.
26% above
$/sq ft vs community
$260 here vs $207 median sold (12 mo)
Buyer leverage
Balanced market
53 days on market
2.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~22 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 8 of 8
Price vs recent sales
Asking $998k tops 8 of the last 8 closed sales; also one of the largest homes here at 3,834 sq ft
As of September 13, 2026, 532 SADDLESTONE Drive in Durbin Crossing, St. Johns is listed at $998,000 (3,834 sq ft, about $260 per sq ft). That is 112% above Durbin Crossing's median closed sale of $470,000 over the last 12 months (95 recorded sales). Per square foot it is above the community's recent $207/sq ft by about 26%. It has been 53 days on market, longer than the community's typical 26 days to contract. Listing facts: built in 2009, a private pool, HOA dues of $5/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2009 · 17 yrs
3,834 sq ft of living area
3-car garage
Listed at $998,000 — recent neighborhood median sale price ~$470,000 (nearby sales; deemed reliable, not an appraisal)
53 days on market
HOA $5/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 (2995 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 $260/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
2009BuiltPer public record
Aug 4, 2026First trackedObserved at $998,000
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
$6,285/mo
Principal & interest $5,184/mo82%
Taxes $715/mo11%
Insurance $381/mo6%
HOA $5/mo0%
$6,285/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 $5,125/yr ($427/mo)
+$7,650 more each year
(+149%)
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
$322,769
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
46/100
Strongest on: Flood safety (95), Insurance cost (75)
0 limited50100 exceptional
46/100 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 area0
This home $260/sq ft vs the community 12-month median $207/sq ft.
Affordability0
List price $998,000 vs the community median $470,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~22 ft elevation. Verify the parcel with FEMA.
Insurance cost75
From FEMA Zone X and a 2009 build. Obtain a property-specific quote.
Market liquidity72
Community median 26 days on market, ~2.9 months of supply (12-month record).
Renovation upside18
From a 2009 build and $260/sq ft vs the community median $207/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
🟡 Balanced conditions around this listing. 2.9 months of supply in the surrounding market and 53 days on market for this home, against a 26-day area median.Days on market:this home 53Area median: 26 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 September 12, 2026.
🟡 Asking $260 per square foot, about 26% above the community’s $207 median. Durbin Crossing’s 12-month median sold price per square foot is $207. Median sold price per square foot is down 1.6% year over year. Confidence: Very High · 95 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 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 12, 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 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
This 5br/4ba POOL home in Durbin Crossing is a showstopper! The main living areas are open & welcoming, and provide both casual and formal gathering options. The updated white kitchen is as sophisticated as it is functional with lots of counter space and cabinetry.
An oversized primary BR is on the main floor as well as an office, LR, FR, DR, 2 more BRs/ BAs & laundry. Real wood floors on main level. Upstairs you'll find a loft, 2 BRs & a full bath.
The house is completely updated and comfortable but you may find yourself spending much of your time outside. There you'll find a screened salt pool, firepit and outdoor kitchen with Evo flat top griddle! First story is concrete block construction.
Recent updates include new roof (2024), tankless electric water heater (2024), new gutters and new water softener. Cul-de-sac street; zoned for SJC A-rated schools. Fireplace is gas (propane) and sellers have never connected it or used it.
Description provided by WATSON REALTY CORP 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$998,000
Bed / bath5 / 4
Living area3,834 sq ft
Year built2009
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #2156558
Listing status53 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~22 ft
Windstorm exposureModerate
CountySt. Johns
Area listings22 active · 8 under contract
Estimated first-year tax~$8,583/yr
CDD assessmentNone on record
HOA (per listing)$5/mo
Calculated estimates
Price per sq ft$260
Estimated monthly payment$6,285
Insurance (illustrative)$3k–$6k/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.
$697,788the mess$889,488
Actual list price: $998,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% 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 — this home carries HOA dues of $5/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
This home: 53 days on market vs. a 26-day community median
22 active listings competing, 8 under contract
≈2.9 months of supply
92 closed here in the last 12 months
For reference, this home is listed at $998,000 ($260/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: 3,834 sq ft × $182–$232/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 13, 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 $998,000Momentum Realty · on market 53 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.)
~$8,583/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)
$3k–$6k/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
$5/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
~22 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.
Seen enough photos?
Want to see 532 SADDLESTONE Drive?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by WATSON REALTY CORP · MLS # 2156558
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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
$207
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.
GRADEA
Durbin CreekAssigned elementary school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fruit CoveAssigned middle school · St. Johns County School District · Grade A (Florida DOE 2025-26)
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 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 →
Sold Aug 2026
$914,300
156 WELLWOOD Avenue, St. Johns
5 / 3.5 bd/ba · 4,285 sq ft · $213/sq ft
Courtesy of REMAX WELCOME HOME · View details →
Community 12-month median: $207/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$4,574 – $6,653/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−$1,844 – +$27At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 532 SADDLESTONE Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2009 (17 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $5/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 3,834 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 $8,583/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 13, 2026)
Community market stats
realMLS closed sales, as of September 12, 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
How big is 532 SADDLESTONE Drive and when was it built?
Per the listing record, 532 SADDLESTONE Drive was built in 2009 and has 3,834 sq ft of living area, 5 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 532 SADDLESTONE Drive in?
532 SADDLESTONE Drive 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 532 SADDLESTONE Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $5 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 532 SADDLESTONE Drive differ from the current owner's?
The estimate on this page (about $8,583 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 532 SADDLESTONE Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 532 SADDLESTONE Drive 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.
