Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Durbin Crossing, St. Johns — a gated community home in St. Johns County.

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Active

Active·107 days on market·Durbin Crossing

121 Chatsworth Drive

St. Johns, FL 32259

$950,000$294/sqftEst. $4,884/moMLS# 2145392

Beds

Baths

3,229

Sq Ft

2013

Built

Garage

Yes

Pool

About this home

Durbin Crossing

This meticulously renovated 5br residence offers a premier location within Durbin Crossing in the heart of St. Johns. Not only does it boast quick and easy interstate access, walking distance to the amenity center AND one of the highest rated K-8 schools, it also has relaxing rear water views - making this an excellent location. Inside there are upgrades at every turn. The kitchen was fully renovated in 2024 to include new kitchen cabinetry, under cabinet lighting, waterfall Quartz, and a $15,000 Zline 60'' Refrigerator to start. A thoughtfully laid out floor plan allows for 3 bedrooms/2 baths on the left side of the house, a dedicated office placed at the entry, and the beautiful master suite with an oversized walk-in closet to the right side of the home.

Cost to own

Mortgage calculator

Home Price

$950,000

Down Payment: 20%

$190,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,884

Principal & Interest: $4,884

Property taxes (est.): $1,264

Insurance (est.): $633

Estimated Total Monthly

$6,781

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,884

Property taxesest. at asking price, St. Johns County$1,264

HOAbilled annually$6

Estimated total, before insurance$6,154/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,260/yr · $855/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, 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

Year	Market value	Taxable value	Change
2025	$655,578	$424,318	—
2024	$624,495	$411,652	—
2023	$640,268	$398,206	—
2022	$602,714	$385,151	—
2021	$444,887	$372,477	—
2020	$367,525	$317,525	—

2025 property taxes (current owner): $10,260/yr

Estimated taxes if purchased at asking price: ~$15,200/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 2013)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

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: ~1,772 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

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

Aug 15, 2026Price change$950,000−$20,000
Aug 6, 2026Price change$970,000−$5,000
May 15, 2026Listed$975,000

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

Features

Price$950,000

Price / Sq Ft$294

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,229

Acres0.24 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPatriot Oaks Academy

MiddlePatriot Oaks Academy

HighCreekside

Community Information

Address121 Chatsworth Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionDurbin Crossing

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,454.4 sq ft

Parcel Number0096350140

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake

Interior

Interior FeaturesBreakfast Nook, Butler Pantry, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

Spa FeaturesCommunity