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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Durbin Crossing, St. Johns.

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Pending

Pending·16 days on market·Durbin Crossing

236 Ellsworth Circle

St. Johns, FL 32259

$560,000$197/sqftEst. $3,102/mo mortgageMLS# 2149179
↓ $69,900 below original list
6
Beds
4
Baths
2,840
Sq Ft
2014
Built
3
Garage
No
Pool

27 more homes for sale in Durbin Crossing →Search Durbin Crossing on the map

FEMA Zone AHOA $6/mo9,148 sqft lotSingle Family Residence2 stories

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About this home

Durbin Crossing

Welcome to 236 Ellsworth Circle, a spacious and tastefully finished home in a top school district within St Johns County. The brick accents in the elevation complement the exterior along with the quaint landscaping and mature palms. A 3-car garage allows for ample parking and storage. An open kitchen with upgraded appliances, hard surface countertops, stylish white cabinets and a modern backsplash are perfect for cooking and entertaining. 6 full bedrooms, including primary on main floor along with laundry. Primary bath with dual sinks, beautiful finishes and a separate tub/shower. Backyard is fully fenced with a covered patio to enjoy paradise. Durbin Crossing community amenities include pools , athletic courts, parks and more! Some photos in this listing have been virtually staged.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,102
Property taxesest. at asking price, St. Johns County$745
HOAbilled annually$6
Estimated total, before insurance$3,853/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,022/yr · $918/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$560,000
$112,000
Loan Term
Monthly Payment
$3,102
Principal & Interest: $3,102
Property taxes (est.): $745
Insurance (est.): $373
Estimated Total Monthly
$4,220
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2014)

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: ~1,752 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$534,843$522,827—
2024$520,007$475,297—
2023$527,549$432,088—
2022$501,798$392,807—
2021$357,097$357,097—
2020$331,606$331,606—

2025 property taxes (current owner): $11,022/yr

Estimated taxes if purchased at asking price: ~$8,900/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.

History

Price & status history

  • Oct 16, 2026Pending$560,000
  • Oct 6, 2026Price change$560,000−$10,000
  • Oct 5, 2026Active$570,000
  • Oct 4, 2026Withdrawn$570,000
  • Sep 25, 2026Price change$570,000−$10,000
  • Sep 3, 2026Price change$580,000−$10,000
  • Aug 19, 2026Price change$590,000+$10,100
  • Aug 19, 2026Price change$579,900−$25,000
  • Jul 31, 2026Price change$604,900−$10,000
  • Jul 15, 2026Price change$614,900−$15,000
  • Jun 6, 2026Listed$629,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $250/sq ft; this home is listed at $197/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
27 Willow Winds Parkway, St. Johns, FL 32259Listed by UNITED REAL ESTATE GALLERYAug 2026$450,000$2164/32,08740.4
3451 Babiche Street, St. Johns, FL 32259Listed by HERRON REAL ESTATE LLCAug 2026$518,000$2373/22,18370.4
28 Forest Edge Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$438,000$1924/32,279670.6
2448 Cimarrone Boulevard, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$645,000$3013/22,14130.6
2535 Cimarrone Boulevard, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$884,000$2615/43,39010.7
191 S Arabella Way, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNSAug 2026$650,000$2505/3.52,602290.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$560,000
Price / Sq Ft$197
Bedrooms6
Bathrooms4.00
Full Baths4
Square Footage2,840
Acres0.21 acres
Year Built2014
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusPending
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address236 Ellsworth Circle, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionDurbin Crossing
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size9,147.6 sq ft
Parcel Number0096355620

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Playground, Tennis Court(s)
Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Freezer, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level

Exterior

Patio / PorchCovered
FencingBack Yard, Vinyl
RoofShingle
ConstructionBrick, Frame, Stucco

Additional Information

Date ListedOctober 5, 2026
Days on Market131
HOA Fees$67 / Annually
HOA FrequencyAnnually
HOA NameDurbin Crossing Master Association
HOA Fee IncludesMaintenance Grounds
Tax Amount$11,021.93
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TAH FLORIDA LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Durbin Crossing

Durbin Crossing is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Durbin Crossing homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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