Single Family Residence in Middlebourne, St. Johns · No CDD on record · Built 2026
Middlebourne · St. Johns, FL 32259
Listing data updated October 2, 2026 · refreshed hourly
4Bedrooms
3.5Bathrooms
2,538Sq Ft
2026Year Built
$302Per Sq Ft
2-car garageNew constructionNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
14% above
$/sq ft vs community
$302 here vs $264 median sold (12 mo)
Buyer leverage
Buyer advantage
81 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; ~24 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 2, 2026, 790 NAVIGATORS Road in Middlebourne, St. Johns is listed at $765,232 (2,538 sq ft, about $302 per sq ft). It has been 81 days on market. Listing facts: new construction, HOA dues of $54/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
New construction — built 2026
2,538 sq ft of living area
2-car garage
Listed at $765,232 — recent neighborhood median sale price ~$667,000 (nearby sales; deemed reliable, not an appraisal)
81 days on market
HOA $54/mo (per listing)
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
Listing description
About this home
Live comfortably in the Santa Cruz! Two-story foyer, 4 bedrooms, 3.5 baths, and 2-car garage. Open-plan kitchen, living, and dining areas keep you connected to guests, while a nearby flex room offers endless options.
Spacious, light-filled, and designed for everyday family life.
Description provided by ICI SELECT REALTY, INC. and reproduced from the MLS; not independently verified.
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$765,232
Bed / bath4 / 3.5
Living area2,538 sq ft
Year built2026
Property typeSingle Family Residence
Garage2-car
MLS #2155156
Listing status81 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~24 ft
CountySt. Johns
Area listings10 active · 2 under contract
Estimated first-year tax~$6,581/yr
CDD assessmentNone on record
HOA$54/mo
Calculated estimates
Price per sq ft$302
Estimated monthly payment$4,992
Insurance (illustrative)$2k–$4k/yr
Messtimate range$647,190 – $715,716
Comparable-sales median$667,000
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
Financing
Estimated monthly payment
$4,992/mo
Principal & interest $4,189/mo84%
Taxes $548/mo11%
Insurance $201/mo4%
HOA $54/mo1%
$4,992/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
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.)
~$6,581/yr
Estimate: a typical St. Johns effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/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
$54/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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
~24 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtRelatively Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
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
2026BuiltPer public record
About Jul 2026Listed (per MLS)MLS reports 81 cumulative days on market as of October 2, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $765,232
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $765,232Momentum Realty · on market 81 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Middlebourne in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Feb 2026
$715,000
33 STAR CROSSED Lane, St. Johns
4 / 3 bd/ba · 2,536 sq ft · $282/sq ft
Courtesy of KARSTEN REAL ESTATE TEAM · View details →
Courtesy of KARSTEN REAL ESTATE TEAM · 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 Mar 2026
$580,146
598 NAVIGATORS Road, St. Johns
4 / 3.5 bd/ba · 2,730 sq ft · $213/sq ft
Courtesy of RE/MAX SPECIALISTS · View details →
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 →
Median of these 6 sales: $667,000 ($264/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
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.
$647,190the mess$715,716
Stronger local evidence — 6 comparable closed sales in Middlebourne, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $765,232 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 11% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $54/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:
10 active listings competing, 8 under contract
≈6.7 months of supply
13 closed here in the last 12 months
For reference, this home is listed at $765,232 ($302/sq ft). The list price is the seller's asking price and is not derived from this range.
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: 2,538 sq ft × $255–$282/sq ft (interquartile band of 6 comparable closed sales in Middlebourne, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 2, 2026.
Momentum Scores
Momentum Property Score
51/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
51/100 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 area14
This home $302/sq ft vs the community 12-month median $264/sq ft.
Affordability25
List price $765,232 vs the community median $667,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~24 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity40
Community inventory, ~6.7 months of supply (12-month record).
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and 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 81 days on market for this home, against a 94-day area median.Days on market:this home 81Area median: 94 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 $302 per square foot, about 14% above the community’s $264 median. MIDDLEBOURNE’s 12-month median sold price per square foot is $264. 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 October 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by ICI SELECT REALTY, INC. · MLS # 2155156
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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.
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.
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.
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 →
What's nearby
Drive times to everyday places
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
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 790 NAVIGATORS Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $54/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.
Listed living area is 2,538 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 $6,581/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 2, 2026)
Comparable sales
realMLS closed sales in Middlebourne, last 18 months, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
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 790 NAVIGATORS Road and when was it built?
Per the listing record, 790 NAVIGATORS Road was built in 2026 and has 2,538 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 790 NAVIGATORS Road in?
790 NAVIGATORS Road is in Middlebourne in St. Johns, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 790 NAVIGATORS Road have an HOA, and how much are the dues?
The listing reports HOA dues of $54 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 790 NAVIGATORS Road differ from the current owner's?
The estimate on this page (about $6,581 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 790 NAVIGATORS Road 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 790 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
