This home is in Durbin Crossing, St. Johns.

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Pending

Pending·76 days on market·Durbin Crossing

233 Ellsworth Circle

St. Johns, FL 32259

$739,900$186/sqftEst. $3,938/moMLS# 2143081

Beds

Baths

3,972

Sq Ft

2015

Built

Garage

Pool

About this home

Durbin Crossing

Nearly 4,000 sqft in Durbin Crossing South with a brand-new roof (2026) and updated HVAC (2023) offering the space and major upgrades buyers want without the wait. Open-concept living with high ceilings flows into a chef's kitchen with island, double oven, and granite counters. Flexible layout includes loft, bonus room, and a 4th bedroom with sitting area ideal for guests, office, or multi-gen living. Located in Durbin Crossing South, you're positioned within reach of major roadways including I-95, 9B, and 295, with convenient access to shopping, dining, and daily essentials nearby. The community itself offers a range of amenities that support an active lifestyle, from pools and fitness areas to parks and walking paths.

Cost to own

Mortgage calculator

Home Price

$739,900

Down Payment: 20%

$147,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,761

Principal & Interest: $3,761

Est. Taxes & Insurance: $940

Estimated Total Monthly

$4,701

*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$3,938

Property taxesest. at asking price, St. Johns County$985

HOAbilled annually$6

Estimated total, before insurance$4,928/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	$641,940	$370,989	—
2024	$619,661	$359,826	—
2023	$635,704	$347,889	—
2022	$604,405	$336,300	—
2021	$427,938	$325,049	—
2020	$394,111	$319,871	—

2025 property taxes (current owner): $9,063/yr

Estimated taxes if purchased at asking price: ~$11,800/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 — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,743 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