This home is in Durbin Crossing, St. Johns — a home near Creekside High School.
Sold·Closed May 4, 2026·6 days on market·Recent sales in Durbin Crossing·Durbin Crossing
221 Thornloe Drive
St. Johns, FL 32259
31 more homes for sale in Durbin Crossing →Search Durbin Crossing on the map
About this home
Durbin Crossing
BACK ON MARKET AT NO FAULT TO SELLER! Beautifully maintained 4BR/3BA home located in the sought-after Durbin Crossing community! This spacious home features an open floorplan with formal living and dining rooms, an updated kitchen with stainless steel appliances, and a family room that leads to a covered lanai--perfect for entertaining. Luxury vinyl plank flooring throughout main living areas; carpet in bedrooms. Flexible loft space upstairs ideal for a playroom, game room, or media room. Private office with French doors. Primary suite offers a walk-in closet, dual vanities, soaking tub, and separate shower. Dedicated laundry room adds convenience. Tesla car charger installed. Enjoy access to two community amenity centers with pools, fitness center, tennis courts, basketball, splash park, water slide, and playgrounds. Top-rated St. Johns County schools. Close to 9B, I-95, and Durbin Park shops and restaurants. Don't miss this opportunity to
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Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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
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 2008)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,779 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 homeThis 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $527,746 | $318,112 | — |
| 2024 | $512,174 | $308,439 | — |
| 2023 | $523,904 | $297,999 | — |
| 2022 | $499,144 | $287,863 | — |
| 2021 | $348,164 | $278,022 | — |
| 2020 | $323,493 | $273,493 | — |
2025 property taxes (current owner): $10,084/yr
Estimated taxes if purchased at asking price: ~$7,200/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.
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 $249/sq ft; this home is listed at $140/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 157 Longwood Street, St. Johns, FL 32259Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $583,000 | $208 | 4/3.5 | 2,807 | 105 | 0.4 |
| 41 Cupcake Ct Court, St. Johns, FL 32259Listed by LPT REALTY LLC | Aug 2026 | $715,000 | $268 | 4/3 | 2,667 | 4 | 0.7 |
| 24 Cupcake Court, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $685,000 | $249 | 4/3.5 | 2,755 | 23 | 0.8 |
| 233 Ellsworth Circle, St. Johns, FL 32259Listed by NEXTHOME NEIGHBORHOOD REALTY | Sep 2026 | $739,000 | $186 | 4/4 | 3,972 | 72 | 0.9 |
| 4621 W Seneca Drive, St. Johns, FL 32259Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Jul 2026 | $851,250 | $265 | 5/3.5 | 3,207 | 10 | 0.9 |
| 137 Ellsworth Circle, St. Johns, FL 32259Listed by FLORIDA LIFE REALTY AND INVESTMENTS, LLC. | Aug 2026 | $860,000 | $237 | 5/4.5 | 3,622 | 4 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL 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 Durbin Crossing
Durbin Crossing is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 4, 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.
Northeast Florida living
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