This home is in Middlebourne, St. Johns.

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Active

Active·97 days on market·Middlebourne

644 Navigators Road

St. Johns, FL 32259

$599,900$268/sqftEst. $3,049/moMLS# 2139985

Beds

Baths

2,239

Sq Ft

2023

Built

Garage

Pool

About this home

Middlebourne

NEW PRICE! UNDER $600K! ICI-built 4-bedroom, 3-bath home with a PRIVATE STUDY in the gated community of Middlebourne. Low HOA of just $650/year, plus WASHER, DRYER, WATER SOFTENER, and REVERSE OSMOSIS SYSTEM - all included. Step inside to soaring ceilings, oversized windows, and an open-concept layout that makes this 2,239-square-foot home feel even more spacious. The gourmet kitchen features sleek countertops, stacked cabinetry, a gas cooktop, a large island, stainless steel appliances, and an oversized pantry, all flowing seamlessly into the living and dining areas. The private study is perfect for working from home, while the primary suite is tucked away for added privacy and offers a generous walk-in closet and walk-in shower. Relax on the SCREENED LANAI, complete with a convenient UTILITY SINK, overlooking the FULLY FENCED BACKYARD with RAISED GARDEN BEDS - ideal for gardening. Just bring your furniture and start enjoying everything this move-in-ready home has to offer!

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,049

Principal & Interest: $3,049

Property taxes (est.): $798

Insurance (est.): $400

Estimated Total Monthly

$4,247

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,049

Property taxesest. at asking price, St. Johns County$798

HOAbilled annually$54

Estimated total, before insurance$3,902/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: $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: ~$9,600/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

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$599,900

Price / Sq Ft$268

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