This home is in Middlebourne, St. Johns.

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Active

Active·67 days on market·Middlebourne

637 Navigators Road

St. Johns, FL 32259

$727,000$292/sqftEst. $3,869/moMLS# 2144632

Beds

Baths

2,491

Sq Ft

2023

Built

Garage

Pool

About this home

Middlebourne

Welcome to this exceptional move-in-ready home offering the perfect blend of luxury, comfort, and functionality. Featuring an open-concept floor plan, this beautifully maintained residence showcases stylish LVP flooring throughout the main living areas and is ideal for both everyday living and entertaining. The gourmet kitchen seamlessly connects to the spacious family and dining areas, creating an inviting gathering space for family and friends. Enjoy breathtaking pond views and added privacy with no rear neighbors, visible from the owner's suite, living room, and dining room. Step outside to the screened lanai, the perfect place to relax and enjoy Florida's beautiful weather year-round. The thoughtfully designed layout includes two en-suite bedrooms, making it ideal for guests or multi-generational living. A versatile flex room provides endless possibilities as a home office, fitness room, media room, or playroom.

Cost to own

Mortgage calculator

Home Price

$727,000

Down Payment: 20%

$145,400

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,695

Principal & Interest: $3,695

Est. Taxes & Insurance: $924

Estimated Total Monthly

$4,619

*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$3,869

Property taxesest. at asking price, St. Johns County$967

HOAbilled annually$54

Estimated total, before insurance$4,891/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: $702,700 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$574,214	$574,214	—
2024	$572,286	$572,286	—
2023	$150,000	$150,000	—

2025 property taxes (current owner): $10,020/yr

Estimated taxes if purchased at asking price: ~$11,600/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

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