This home is in Durbin Crossing, St. Johns.

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Active

Active·52 days on market·Durbin Crossing

651 Servia Drive

St. Johns, FL 32259

$263,900$218/sqftEst. $1,346/moMLS# 2148642

Beds

Baths

1,210

Sq Ft

2019

Built

Garage

Pool

About this home

Durbin Crossing

Seller will consider VA assumable Loan (2.25 Rate) Step inside a thoughtfully design, two bedroom, 2 1/2 bath townhome in highly sought after St. John's County community of Durbin Crossing. this home has NEW Appliances and LVP Flooring enhances the staircase and upstairs and blends, comfort, style and low maintenance living in one of the areas most desirable master plan neighborhoods. The main living features a bright open concept lay out where the kitchen, dining, and living spaces flow seamlessly together, creating the perfect setting for both every day living and entertaining. The kitchen is equipped with granite countertops offering both function and modern appeal. A convenient half bath is located downstairs for guest. Upstairs, both bedrooms feature their own private attached bathroom, providing comfort and privacy for residence or guest. Durable 18 x 18 ceramic tile runs throughout the first floor for a clean and timeless finish. A washer and dryer are included for adde

Cost to own

Mortgage calculator

Home Price

$263,900

Down Payment: 20%

$52,780

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,346

Principal & Interest: $1,346

Property taxes (est.): $351

Insurance (est.): $176

Estimated Total Monthly

$1,873

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,346

Property taxesest. at asking price, St. Johns County$351

HOAbilled quarterly$122

Estimated total, before insurance$1,819/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,999/yr · $167/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	$217,852	$0	—
2024	$229,657	$0	—
2023	$233,424	$0	—
2022	$214,538	$0	—
2021	$163,174	$163,174	—
2020	$148,963	$148,963	—

2025 property taxes (current owner): $1,999/yr

Estimated taxes if purchased at asking price: ~$4,200/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.

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,746 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 16, 2026Price change$263,900−$6,000
Jun 4, 2026Listed$269,900

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

Features

Price$263,900

Price / Sq Ft$218

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,210

Acres0.05 acres

Year Built2019

TypeResidential

Sub-TypeTownhouse

StyleTraditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryDurbin Creek

MiddleFruit Cove

HighCreekside

Community Information

Address651 Servia Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionPalisades At Durbin Crossing

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size2,178 sq ft

Parcel Number0096252820

Amenities

AmenitiesPool, Basketball Court, Cable TV, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Pickleball, Playground, Security, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

ViewProtected Preserve, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Pantry, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup