This home is in Middlebourne, St. Johns.

1 / 65

Active

Active·182 days on market·Middlebourne

179 Navigators Road

St. Johns, FL 32259

$855,000$243/sqftEst. $4,346/moMLS# 2125751

Beds

Baths

3,523

Sq Ft

2024

Built

Garage

Pool

About this home

Middlebourne

Like-New Luxury Living - Built 2024 Step into this spacious two-story beauty through a stunning covered entry and grand, welcoming foyer. Soaring two-story ceilings in the living room create an airy, open feel that flows perfectly for everyday living and entertaining. Enjoy Florida living at its best with a covered lanai perfect for gatherings, relaxing evenings, or weekend entertaining. The private owner's suite is thoughtfully tucked away, featuring a large walk-in closet and a spa-style bathroom with an enclosed shower, dual vanities, and linen closet.This home also offers a true mother-in-law suite, complete with its own living area, bedroom, and bathroom ideal for extended family or guests. Upstairs, you'll find a cozy loft area and three generously sized bedrooms, giving everyone their own space. Don't miss your chance to own this incredible home it won't last long!

Cost to own

Mortgage calculator

Home Price

$855,000

Down Payment: 20%

$171,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,346

Principal & Interest: $4,346

Est. Taxes & Insurance: $1,086

Estimated Total Monthly

$5,432

*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 · 6.55% · 30yr$4,346

Property taxesest. at asking price, St. Johns County$1,138

HOAbilled annually$54

Estimated total, before insurance$5,538/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: $846,600 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$689,074	$638,352	—
2024	$145,000	$145,000	—
2023	$150,000	$150,000	—

Estimated taxes if purchased at asking price: ~$13,700/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 2024)

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

Price & status history

Jul 11, 2026Active$855,000
Jan 18, 2026Listed$855,000

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

Features

Price$855,000

Price / Sq Ft$243

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,523

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address179 Navigators Road, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionMiddlebourne

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0098211120

Amenities

AmenitiesPool, Jogging Path, Park, Playground, Trash

UtilitiesCable Available, Natural Gas Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewWater

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Gas Cooktop, Gas Oven, Gas Water Heater, Tankless Water Heater

HeatingCentral

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup