This home is in Durbin Crossing, St. Johns.

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Active·56 days on market·Durbin Crossing

610 Cloisterbane Drive

St. Johns, FL 32259

$965,000$253/sqftEst. $5,136/moMLS# 2146433

Beds

Baths

3,815

Sq Ft

2014

Built

Garage

Pool

About this home

Durbin Crossing

610 Cloisterbane is a home unique to so many others, with a fantastic opportunity for seamless multi-generational living. As you pull up, you will enjoy the home's beautiful, freshly painted, facade at the end of one of the most desirable streets in Durbin Crossing. You enter the home through the gated courtyard- which adds both privacy and charm. Immediately to the left is the casita -offering a separate and private 1 bedroom / 1 bathroom, 1 car garage. This space is ideal for a professional home office, guest suite, or multi generational needs. After you continue through the courtyard and into the first level of the main house, you will enter into the perfect floor plan. You'll find a formal dining room and a beautiful open concept kitchen and kitchen nook that overlooks the living room where the family can gather. The luxuriously oversized primary bedroom/bathroom and laundry room are all on the first floor for easy accessibility. There is so much beautiful natural light that

Cost to own

Mortgage calculator

Home Price

$965,000

Down Payment: 20%

$193,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,905

Principal & Interest: $4,905

Est. Taxes & Insurance: $1,226

Estimated Total Monthly

$6,131

*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$5,136

Property taxesest. at asking price, St. Johns County$1,284

HOAbilled annually$6

Estimated total, before insurance$6,426/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	$699,264	$439,563	—
2024	$699,587	$426,467	—
2023	$693,656	$400,829	—
2022	$595,337	$384,657	—
2021	$453,509	$369,233	—
2020	$437,168	$362,533	—

2025 property taxes (current owner): $9,058/yr

Estimated taxes if purchased at asking price: ~$15,400/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 2014)

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

Solar potential: ~1,684 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