This home is in Durbin Crossing, St. Johns — a waterfront home in St. Johns County.
Active·119 days on market·Durbin Crossing
470 Servia Drive
St. Johns, FL 32259
About this home
Durbin Crossing
St. Johns County find! This beautiful, immaculately maintained townhouse is looking for it's next owner. In lovely Palisades, the neighborhood is convenient to jumping on 9B. ''A'' rated St. Johns county schools and state of the art Durbin Crossing amenities make this townhouse an incredible place to live. Two large bedrooms with 2 bathrooms are upstairs. Downstairs an open kitchen, living room, laundry area and half bathroom round out the floor plan. Washer and dryer will convey. The single car garage is spotless with ample storage and epoxy floors. The backyard overlooks a beautiful pond and is fenced in. The patio is perfect to enjoy our beautiful Florida weather year round. Extra parking is steps from the front door. 2018 AC, roof and water heater.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: $315,000 in September 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $236,329 | $185,607 | — |
| 2024 | $250,517 | $200,517 | — |
| 2023 | $245,372 | $195,372 | — |
| 2022 | $225,602 | $225,602 | — |
| 2021 | $171,622 | $97,645 | — |
| 2020 | $157,614 | $95,607 | — |
2025 property taxes (current owner): $4,334/yr
Estimated taxes if purchased at asking price: ~$4,600/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.
Hurricane evacuation zone E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: Shingle — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,665 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 homeAs 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 29, 2026Price change$285,000−$5,000
- May 3, 2026Listed$290,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Durbin Crossing
Durbin Crossing is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Durbin Crossing homes for sale →Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines