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This home is in Durbin Crossing, St. Johns.

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Active Under Contract

Active Under Contract·45 days on market·Durbin Crossing

165 Servia Drive

St. Johns, FL 32259

$314,900$187/sqftEst. $1,606/moMLS# 2150894

Beds

Baths

1,687

Sq Ft

2017

Built

Garage

Pool

About this home

Durbin Crossing

Welcome to your new home located in Durbin Crossing's Palisades! This lovely 3 bed, 2.5 bath townhome offers an open concept 1st floor with spacious kitchen, wide granite island, dining room area, family room (which faces the large yard), and screened-in patio. Upstairs, you'll find a large owner's bedroom (with walk-in closet and sizeable bathroom), 2 additional bedrooms, laundry room (with newer washer and dryer), and new carpet. Convenient location only minutes to the Durbin shopping center, 9B, and I-95! HOA fee includes Durbin Crossing's 2 amenity centers, offering activities, pools, gym, tennis courts, basketball and volleyball courts, kid's play area, large skateboard park, and more. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$314,900

Down Payment: 20%

$62,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,606

Principal & Interest: $1,606

Property taxes (est.): $419

Insurance (est.): $210

Estimated Total Monthly

$2,235

*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$1,606

Property taxesest. at asking price, St. Johns County$419

HOAbilled quarterly$122

Estimated total, before insurance$2,147/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$267,750	$267,750	—
2024	$282,460	$267,013	—
2023	$286,801	$242,739	—
2022	$261,784	$220,672	—
2021	$200,611	$200,611	—
2020	$183,533	$183,533	—

Estimated taxes if purchased at asking price: ~$5,000/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 2017)

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

Solar potential: ~1,777 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