This home is in Durbin Crossing, St. Johns.

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Active Under Contract

Active Under Contract·76 days on market·Durbin Crossing

403 Willow Winds Parkway

St. Johns, FL 32259

$649,000$249/sqftEst. $3,454/moMLS# 2121745

Beds

Baths

2,606

Sq Ft

2012

Built

Garage

Pool

About this home

Durbin Crossing

From the moment you turn onto this quiet cul-de-sac in Durbin Crossing, this Dream Finders Platinum Series Montego I home was built with quality construction, packed with upgrades and fine details that you can feel the moment you step inside. This 4/3 plus office/flex space plus 3-car garage has 12' coffered ceilings, & disappearing glass sliding doors. Set on a pond and preserve lot, the home offers a peaceful backdrop that makes everyday living feel a little more special. Inside, the craftsmanship stands out right away with 12-foot ceilings, 10-foot ceilings in the bedrooms, 8-foot doors, recessed lighting, wood-look tile and premium carpet with thick padding create warmth and comfort throughout the thoughtful layout of 2,606 square feet. The living area is designed to impress with recessed lighting, a 6-box ceiling, a transom window, and sliding glass doors that fully disappear into the walls, opening to an extended lanai with floodlights and pond views. Remote-controlled

Cost to own

Mortgage calculator

Home Price

$649,000

Down Payment: 20%

$129,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,299

Principal & Interest: $3,299

Est. Taxes & Insurance: $825

Estimated Total Monthly

$4,123

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,454

Property taxesest. at asking price, St. Johns County$864

HOAbilled annually$6

Estimated total, before insurance$4,323/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

Year	Market value	Taxable value	Change
2025	$499,416	$239,451	—
2024	$484,499	$231,995	—
2023	$494,859	$223,782	—
2022	$471,140	$215,808	—
2021	$330,361	$208,066	—
2020	$306,808	$204,503	—

2025 property taxes (current owner): $6,861/yr

Estimated taxes if purchased at asking price: ~$10,400/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 2012)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,712 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 1, 2026Listed$649,000

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

Features

Price$649,000

Price / Sq Ft$249

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,606

Total Structure Area3,700 sq ft

Acres0.20 acres

Year Built2012

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesNortheast

School Information

ElementaryPatriot Oaks Academy

MiddlePatriot Oaks Academy

HighCreekside

Community Information

Address403 Willow Winds Parkway, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionDurbin Crossing

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size8,712 sq ft

Parcel Number0096354010

ZoningResidential

Amenities

AmenitiesPool, Other, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Electric Cooktop, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit