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 home near Creekside High School.

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Active

Active·100 days on market·Durbin Crossing

610 Cloisterbane Drive

St. Johns, FL 32259

$899,500$236/sqftEst. $4,624/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

$899,500

Down Payment: 20%

$179,900

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,624

Principal & Interest: $4,624

Property taxes (est.): $1,197

Insurance (est.): $600

Estimated Total Monthly

$6,421

*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$4,624

Property taxesest. at asking price, St. Johns County$1,197

HOAbilled annually$6

Estimated total, before insurance$5,827/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,058/yr · $755/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	$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: ~$14,400/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

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