Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Middlebourne, St. Johns — a home near Creekside High School.

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Active

Active·141 days on market·Middlebourne

644 Navigators Road

St. Johns, FL 32259

$585,000$261/sqftEst. $3,023/moMLS# 2139985

Beds

Baths

2,239

Sq Ft

2023

Built

Garage

Pool

About this home

Middlebourne

NOW OFFERED FOR SALE AND RENT - once a tenant is in place, this buying opportunity is gone for at least 12 months! Don't wait! Thousands in upgrades included - washer, dryer, water softener, and reverse osmosis filtration system all convey! Fully fenced backyard with garden beds already in place! Screened-in lanai with two separate utility sinks! LOW HOA - only $650/year! Premium finishes and move-in readiness come together in this standout ICI-built home. Welcome to 2,239 sq ft of smart luxury and effortless single-story living. Soaring ceilings, abundant natural light, and a dedicated private study - this 4-bedroom, 3-bath residence checks every box. The gourmet kitchen shines at the heart of the home -- stacked cabinetry, gas cooktop, expansive island, and walk-in pantry. The primary suite is tucked at the rear for total privacy with a generous walk-in closet and walk-in shower. Gated community with pool, clubhouse, and playground. Schedule your showing today before it's gone!

Cost to own

Mortgage calculator

Home Price

$585,000

Down Payment: 20%

$117,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,023

Principal & Interest: $3,023

Property taxes (est.): $778

Insurance (est.): $390

Estimated Total Monthly

$4,191

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$3,023

Property taxesest. at asking price, St. Johns County$778

HOAbilled annually$54

Estimated total, before insurance$3,856/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,811/yr · $734/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).

Cost to own

Taxes & assessment

Last sold: $621,500 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$495,300	$495,300	—
2024	$497,970	$497,970	—
2023	$150,000	$150,000	—

2025 property taxes (current owner): $8,811/yr

Estimated taxes if purchased at asking price: ~$9,300/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

Price & status history

Aug 10, 2026Price change$585,000−$10,000
Jul 28, 2026Price change$595,000−$4,900
Jul 8, 2026Price change$599,900−$12,100
Apr 14, 2026Listed$612,000

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

Features

Price$585,000

Price / Sq Ft$261

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,239

Total Structure Area3,108 sq ft

Acres0.16 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPatriot Oaks Academy

MiddlePatriot Oaks Academy

HighCreekside

Community Information

Address644 Navigators Road, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionMiddlebourne

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0098210200

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Gated, Playground

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesOther, Dishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

Spa FeaturesCommunity