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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Middlebourne, St. Johns — a home near Creekside High School.

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Sold

Sold·Closed Apr 24, 2026·172 days on market·Recent sales in Middlebourne·Middlebourne

406 Navigators Road

St. Johns, FL 32259

$600,000sold priceListed at $600,000 · 100% of asking$260/sqftMLS# 2112370
3
Beds
2
Baths
2,304
Sq Ft
2023
Built
3
Garage
No
Pool

19 more homes for sale in Middlebourne →Search Middlebourne on the map

HOA $42/mo6,534 sqft lotWaterfrontSingle Family Residence1 story

About this home

Middlebourne

Why wait to build? This better-than-new home has some custom touches and is move in ready with upgraded fixtures, fans and remote control window treatments throughout, a custom wood wall, and added screened lanai. The 12 foot ceilings accentuate the open floor plan and spacious feel in the main living areas. The kitchen is well-planned with many cabinets and an oversized island overlooking the living and dining rooms. The custom tile on the back wall and up to the stainless steel hood is a striking feature that perfectly complements the two tone cabinets. Easy care and durable vinyl wood flooring is seamlessly laid throughout the entire home except for two bedrooms (Primary and one guest room). The flex space is currently used as an office, but can be designed to fit your family - homework room, craft space, den, game room - you decide! It could even be converted to a 4th bedroom if needed. The custom wood wall in the living room creates a focal point and perfectly frames a space for

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,323
Property taxesest. at asking price, St. Johns County$798
HOAbilled annually$42
Estimated total, before insurance$4,164/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$600,000
$120,000
Loan Term
Monthly Payment
$3,323
Principal & Interest: $3,323
Property taxes (est.): $798
Insurance (est.): $400
Estimated Total Monthly
$4,522
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2023)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

  • Oct 8, 2025Listed$600,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $218/sq ft; this home is listed at $260/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
201 Granite City Avenue, St. Johns, FL 32259Listed by THE LEGENDS OF REAL ESTATESep 2026$515,000$2184/32,361610.8
154 Dogleg Run, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNSSep 2026$320,000$1982/21,6201940.9
121 Balmoral Castle Drive, St. Johns, FL 32259Listed by 1 REALTY CORPSep 2026$440,000$2294/21,923431
1578 Stillwater Boulevard, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$375,000$1993/21,8861741.1
43 Cruden Bay Court, St. Johns, FL 32259Listed by BRIDGE & BEACON REAL ESTATE LLCSep 2026$440,000$2164/32,041421.1
737 Shetland Drive, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNSSep 2026$400,000$2343/21,70981.1

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$600,000
Price / Sq Ft$260
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,304
Acres0.15 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address406 Navigators Road, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionMiddlebourne
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size6,534 sq ft
Parcel Number0098210550
ZoningSingle Family

Amenities

AmenitiesPool, Clubhouse, Dog Park, Playground
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
SecuritySecurity Gate

Exterior

Patio / PorchCovered, Screened
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedOctober 8, 2025
Days on Market172
HOA Fees$505 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Middlebourne

Middlebourne is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Middlebourne homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 24, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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