This home is in Middlebourne, St. Johns.

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Active Under Contract

Active Under Contract·110 days on market·Middlebourne

43 Pathway Court

St. Johns, FL 32259

$597,000$237/sqftEst. $3,034/moMLS# 2118706

Beds

Baths

2,521

Sq Ft

2023

Built

Garage

Pool

About this home

Middlebourne

BANK APPROVED PRICE!!! NEED AN OFFER! Discover your dream home in the prestigious gated community of Middlebourne, located in the heart of Durbin, St. Johns County. This luxurious 4-bedroom, 2.5-bath home with a 3 car garage boasts an open floor plan, soaring ceilings, & an array of high-end upgrades all on a deep lot that offers room for a pool. Upgrades include: Plantation shutters, luxury cabinets, 2 ovens, gas cooktop, high end smooth door fridge, quartz counter tops with a glass tile back splash, water softener, luxury vinyl plank down stairs, covered & screened lanai, & covered front porch. Primary ensuite is downstairs with a luxury bath and oversized walk in closet. Amenities for Middlebourne include a dog park, resort style pool, playground, Close to the Durbin Crossing Town Center & A rated schools Some furnishings are negotiable to stay.

Cost to own

Mortgage calculator

Home Price

$597,000

Down Payment: 20%

$119,400

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,034

Principal & Interest: $3,034

Property taxes (est.): $794

Insurance (est.): $398

Estimated Total Monthly

$4,227

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.55% · 30yr$3,034

Property taxesest. at asking price, St. Johns County$794

HOAbilled annually$43

Estimated total, before insurance$3,872/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $668,600 in January 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$552,651	$501,929	—
2024	$550,995	$550,995	—
2023	$150,000	$150,000	—

2025 property taxes (current owner): $9,062/yr

Estimated taxes if purchased at asking price: ~$9,500/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

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

As of July 2026, 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