115 days on marketSingle Family Residence▼ Price cut: $4,900 (8/4)
$595,000
4-Bedroom Golf-Course Home in Middlebourne
644 NAVIGATORS Road, St. Johns, FL 32259
Single Family Residence in Middlebourne, St. Johns · No CDD · Built 2023
Middlebourne · St. Johns, FL 32259 · St. Johns
Listing data updated August 7, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,239Sq Ft
2023Year Built
$266Per Sq Ft
2-car garageNo CDDFEMA Zone X4 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.
3% below
$/sq ft vs community
$266 here vs $273 median sold (12 mo)
Buyer leverage
Strong buyer advantage
115 days on market
6.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~26 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $595,000 — recent neighborhood median sale price ~$683,500 (nearby sales; deemed reliable, not an appraisal)
115 days on market
HOA ~$50/mo (estimate; confirm)
Golf course communitySchool district: Builder ICI Homes County St. Johns County Florida Schools St. Johns County SchoolsCommunity built 2022–2026Gourd Island Conservation Area · 3 min driveUF Health Durbin Park · 6 min driveWalmart Supercenter Pickup Drive Thru · 7 min drive
Momentum Research · MIDDLEBOURNE
Pricing & the MIDDLEBOURNE market
How this home is priced against recent nearby sales, and where MIDDLEBOURNE has been over 25 years. Momentum Research analysis of Stellar MLS 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.
Property timeline
This home’s history
2023BuiltPer public record
Jul 2, 2026First trackedObserved at $612,000
Jul 10, 2026Price cut$599,900
Aug 4, 2026Price cut$595,000
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
$3,660/mo
Principal & interest $3,015/mo82%
Taxes $426/mo12%
Insurance $169/mo5%
HOA $50/mo1%
$3,660/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
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
62/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
62/100 is solid, mid-pack 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 area56
This home $266/sq ft vs the community 12-month median $273/sq ft.
Affordability72
List price $595,000 vs the community median $683,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~26 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2023 build. Obtain a property-specific quote.
Market liquidity40
Community inventory, ~6.7 months of supply (12-month record).
Renovation upside30
From a 2023 build and $266/sq ft vs the community median $273/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.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 6.7 months of supply in the surrounding market and 115 days on market for this home, against a 63-day area median.Days on market:this home 115Area median: 63 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. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026. As of August 2, 2026.
🟡 Asking $266 per square foot, about 3% below the community’s $273 median. MIDDLEBOURNE’s 12-month median sold price per square foot is $273. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: a golf-course community, one of only 10 active listings in MIDDLEBOURNE, no CDD assessment.
Updated August 7, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
RARE MIDDLEBOURNE FIND UNDER $600K. GATED COMMUNITY. LOW $650/YR HOA.
High-end features and move-in readiness come together in this standout ICI-built home. Welcome home to 2,239 sq. ft.
of smart luxury and effortless main-floor living. Boasting soaring ceilings, abundant natural light, and a dedicated private study, this 4-bedroom, 3-bath residence checks every single box. At the center of the home, the gourmet kitchen shines with stacked cabinetry, gas cooking, an expansive island, and a walk-in pantry.
The private study is perfect for working from home, while the primary suite is tucked away for added privacy and offers a generous walk-in closet and walk-in shower. The outdoor space impresses with a fully fenced yard, raised garden beds, and a screened lanai complete with a utility sink. BONUS VALUE: Washer, dryer, water softener, and reverse osmosis filtration system all convey!
Top-rated schools! Schedule your private showing today before it's gone!
Description provided by HERRON REAL ESTATE 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$595,000
Bed / bath4 / 3
Living area2,239 sq ft
Year built2023
Property typeSingle Family Residence
Garage2-car
MLS #2139985
Listing status115 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~26 ft
Windstorm exposureModerate
CountySt. Johns
Area listings10 active · 2 under contract
Estimated first-year tax~$5,117/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$266
Estimated monthly payment$3,660
Insurance (illustrative)$2k–$3k/yr
Messtimate range$582,140 – $631,398
Comparable-sales median$683,500
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.
$582,140the mess$631,398
Actual list price: $595,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 8% 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 — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
10 active listings competing, 3 under contract
≈6.7 months of supply
15 closed here in the last 12 months
For reference, this home is listed at $595,000 ($266/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: 2,239 sq ft × $260–$282/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 7, 2026.
Keep looking
Similar homes for sale near Middlebourne
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 $595,000Momentum Realty · on market 115 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.)
~$5,117/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–$3k/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
$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
~26 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.
Market data · public records
Recent sales activity in Middlebourne
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 Middlebourne neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$683,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$273
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Middlebourne
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.
Jun 2026 · Infrastructure
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 10 miles west of Middlebourne.
Grocery-anchored retail center proposed in Durbin Park
A grocery-anchored retail center was proposed at Durbin Park, the large mixed-use development near Interstate 95 and County Road 210 in northern St. Johns County, adding to the district's existing stores, restaurants, and Walmart-anchored core.
Why it matters: Added grocery and retail at Durbin Park deepens everyday conveniences in northern St. Johns County, an amenity factor that can support demand for surrounding communities. The site is about 3 miles east of Middlebourne.
The Walmart anchoring Durbin Park filed plans to expand in early 2026, reinforcing the retail core of the Interstate 95 and County Road 210 district in northern St. Johns County.
Why it matters: Investment in Durbin Park's retail anchor signals continued commercial strength in northern St. Johns County, which can reinforce the appeal of nearby residential areas. The site is about 3 miles east of Middlebourne.
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
The Pavilion at Durbin Park 7 min
Parks
Gourd Island Conservation Area 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 Apr 2026
$600,000
406 NAVIGATORS Road, St. Johns
3 / 2 bd/ba · 2,304 sq ft · $260/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Dec 2025
$729,000
819 NAVIGATORS Road, St. Johns
4 / 3 bd/ba · 2,394 sq ft · $305/sq ft
Courtesy of KARSTEN REAL ESTATE TEAM · View details →
Sold Nov 2025
$668,000
49 PATHWAY Court, St. Johns
4 / 3 bd/ba · 2,403 sq ft · $278/sq ft
Courtesy of ICI SELECT REALTY, INC. · View details →
Courtesy of KARSTEN REAL ESTATE TEAM · View details →
Sold Jun 2026
$699,000
800 NAVIGATORS Road, St. Johns
4 / 3 bd/ba · 2,607 sq ft · $268/sq ft
Courtesy of KARSTEN REAL ESTATE TEAM · View details →
Community 12-month median: $273/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$2,727 – $3,967/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−$1,017 – +$99At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
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.
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: August 7, 2026)
Community market stats
realMLS closed sales, as of August 2, 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
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 644 NAVIGATORS Road 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.
