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 waterfront home in St. Johns County.

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Active Under Contract

Active Under Contract·100 days on market·Durbin Crossing

461 Servia Drive

St. Johns, FL 32259

$305,000$203/sqftEst. $1,568/moMLS# 2146697

Beds

Baths

1,502

Sq Ft

2018

Built

Garage

Pool

About this home

Durbin Crossing

MOVE-IN READY and beautifully maintained 3 bedroom, 3 bath townhome conveniently located in the highly desirable Durbin Crossing community just minutes from 9B, the Durbin Pavilion shopping center, restaurants, top-rated schools, and everyday conveniences. This spacious townhome features an open-concept layout, fresh paint, and a private fenced backyard with brand-new pavers creating the perfect outdoor space for relaxing or entertaining. Enjoy low-maintenance living with access to BOTH Durbin North and South resort-style amenities including pools, fitness centers, playgrounds, and more. Whether you're looking for your primary residence, investment property, or low-maintenance Florida lifestyle, this well-maintained home checks all the boxes. Opportunities like this in St. Johns County do not last long! Schedule your private tour today!

Cost to own

Mortgage calculator

Home Price

$305,000

Down Payment: 20%

$61,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,568

Principal & Interest: $1,568

Property taxes (est.): $406

Insurance (est.): $203

Estimated Total Monthly

$2,177

*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$1,568

Property taxesest. at asking price, St. Johns County$406

HOAbilled quarterly$113

Estimated total, before insurance$2,087/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,972/yr · $414/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	$244,942	$244,942	—
2024	$259,074	$135,840	—
2023	$261,074	$130,427	—
2022	$240,139	$125,172	—
2021	$182,930	$120,070	—
2020	$167,722	$117,722	—

2025 property taxes (current owner): $4,972/yr

Estimated taxes if purchased at asking price: ~$4,900/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: material not specified — year not disclosed (home built 2018)

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

Solar potential: ~1,691 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

Jul 9, 2026Active Under Contract$305,000
May 22, 2026Listed$305,000

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

Features

Price$305,000

Price / Sq Ft$203

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,502

Acres0.11 acres

Year Built2018

TypeResidential

Sub-TypeTownhouse

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages1

Has PoolNo

Is WaterfrontYes

School Information

ElementaryDurbin Creek

MiddleFruit Cove

HighBartram Trail

Community Information

Address461 Servia Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionPalisades At Durbin Crossing

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size4,791.6 sq ft

Parcel Number0096251900

Amenities

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

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage, Guest

ViewPond

Waterfront TypePond

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories2