Skip to main content
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.

Photo 1 / 40
Active Under Contract

Active Under Contract·61 days on market·Middlebourne

43 Pathway Court

St. Johns, FL 32259

$597,000$237/sqftEst. $3,307/mo mortgageMLS# 2118706
4
Beds
2.5
Baths
2,521
Sq Ft
2023
Built
3
Garage
No
Pool

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

FEMA Zone XHOA $43/mo10,019 sqft lotSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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.

Next steps in Middlebourne

FollowNew Middlebourne homes the day they list · free, no account

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$3,307
Property taxesest. at asking price, St. Johns County$794
HOAbilled annually$43
Estimated total, before insurance$4,144/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,062/yr · $755/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$597,000
$119,400
Loan Term
Monthly Payment
$3,307
Principal & Interest: $3,307
Property taxes (est.): $794
Insurance (est.): $398
Estimated Total Monthly
$4,499
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

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

YearMarket valueTaxable valueChange
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.

History

Price & status history

  • Oct 10, 2026Active Under Contract$597,000
  • Aug 19, 2026Active$597,000
  • Jul 18, 2026Active Under Contract$597,000
  • Apr 2, 2026Listed$597,000

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 $304/sq ft; this home is listed at $237/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
246 Junction Avenue, St. Johns, FL 32259Listed by ICI SELECT REALTY, INC.Sep 2026$1,019,630$3174/3.53,21300.3
80 Dogleg Run, St. Johns, FL 32259Listed by COMPASS FLORIDA LLCOct 2026$390,000$2073/21,886990.7
1578 Stillwater Boulevard, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$375,000$1993/21,8861740.9
5001 Totem Court, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$775,000$3154/32,46321
4933 Blackhawk Drive, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$675,000$3043/22,21911
201 Granite City Avenue, St. Johns, FL 32259Listed by THE LEGENDS OF REAL ESTATESep 2026$515,000$2184/32,361611

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$597,000
Price / Sq Ft$237
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,521
Acres0.23 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusActive Under Contract
# of Garages3
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

School Information

Zoned elementaryPatriot Oaks Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryPatriot Oaks Academy
Reported middlePatriot Oaks Academy
Reported highCreekside
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address43 Pathway Court, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionMiddlebourne
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size10,018.8 sq ft
Parcel Number0098210220

Amenities

AmenitiesPark, Playground
Community FeaturesSidewalks, Gated
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesEntrance Foyer
AppliancesDisposal, Gas Cooktop
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories2
LevelsTwo

Exterior

Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch, Screened
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedAugust 19, 2026
Days on Market307
HOA Fees$515 / Annually
HOA FrequencyAnnually
Tax Amount$9,061.81
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines