This home is in Middlebourne, St. Johns.

1 / 38

Active

Active·75 days on market·Middlebourne

444 Navigators Road

St. Johns, FL 32259

$639,000$262/sqftEst. $3,248/moMLS# 2143403

Beds

Baths

2,438

Sq Ft

2024

Built

Garage

Pool

About this home

Middlebourne

The preferred lender is offering 1% of the loan amount as a credit to the buyer which can be used for the rate buydown and/or closing costs. Welcome to the gated community of Middlebourne. This like-new 2024 David Weekley one-story sits on a homesite with a tranquil pond and preserve view, a fully fenced backyard, and a screened lanai. Inside, soaring ceilings and abundant natural light open into a chef's kitchen featuring quartz countertops, a large island, and ample prep space, ideal for everyday living and entertaining. The thoughtful floor plan offers 4 spacious bedrooms, 3 full baths, plus a private office with doors for the perfect work-from-home setup. One guest suite with its own bath is tucked away, great for in-laws or guests. A mudroom off the garage adds everyday function, and the 3-car tandem garage offers room for a golf cart or extra storage. Located in a top-rated St. Johns County school zone. Community amenities include a resort-style pool, playground and dog park.

Cost to own

Mortgage calculator

Home Price

$639,000

Down Payment: 20%

$127,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,248

Principal & Interest: $3,248

Property taxes (est.): $850

Insurance (est.): $426

Estimated Total Monthly

$4,524

*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$3,248

Property taxesest. at asking price, St. Johns County$850

HOAbilled annually$54

Estimated total, before insurance$4,152/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: $401,600 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$531,536	$0	—
2024	$125,000	$125,000	—
2023	$150,000	$150,000	—

2025 property taxes (current owner): $2,140/yr

Estimated taxes if purchased at asking price: ~$10,200/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.

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 2024)

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

May 7, 2026Listed$639,000

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

Features

Price$639,000

Price / Sq Ft$262

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,438

Acres0.16 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryPatriot Oaks Academy

MiddlePatriot Oaks Academy

HighCreekside

Community Information

Address444 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 Number0098210510

Amenities

AmenitiesPool, Dog Park, Gated, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Trees/Woods

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Ice Maker, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)