This home is in Durbin Crossing, St. Johns.

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Pending

Pending·31 days on market·Durbin Crossing

205 Richmond Drive

St. Johns, FL 32259

$294,000$185/sqftEst. $1,499/moMLS# 2152465

Beds

Baths

1,591

Sq Ft

2015

Built

Garage

Pool

About this home

Durbin Crossing

Welcome to Durbin Crossing! This beautifully maintained 3Bdr, 2.5-bath townhome w/ 1-car garage offers the perfect combination of style, comfort & convenience.Step inside to find crown molding throughout the downstairs. A spacious open floor plan featuring a large family room that flows seamlessly into the large kitchen.Kitchen is complete w/42 inch espresso cabinets, neutral granite countertops, a large center island, tile backsplash & GE appliances, Enjoy your morning coffee or unwind in the evening on the screened in paver patio overlooking a peaceful preserve for added privacy. Upstairs, you'll find all 3 bedrooms a convenient laundry room & a versatile loft/office area perfect for working from home or creating a homework space. The spacious Master suite features a large walk-in closet & an en-suite bath w/dual vanities. 2 generously sized guest bedrooms share a full bath.This move-in-ready townhome offers low-maintenance living in the highly desirable Durbin Crossing community.

Cost to own

Mortgage calculator

Home Price

$294,000

Down Payment: 20%

$58,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,499

Principal & Interest: $1,499

Property taxes (est.): $391

Insurance (est.): $196

Estimated Total Monthly

$2,086

*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$1,499

Property taxesest. at asking price, St. Johns County$391

HOAbilled annually$5

Estimated total, before insurance$1,895/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,559/yr · $380/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	$276,510	$178,146	—
2024	$279,446	$172,418	—
2023	$275,029	$165,940	—
2022	$260,273	$159,650	—
2021	$203,544	$153,544	—
2020	$191,346	$191,346	—

2025 property taxes (current owner): $4,559/yr

Estimated taxes if purchased at asking price: ~$4,700/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2015)

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

Solar potential: ~1,778 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 10, 2026Pending$294,000
Jun 25, 2026Listed$294,000

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

Features

Price$294,000

Price / Sq Ft$185

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,591

Acres0.06 acres

Year Built2015

TypeResidential

Sub-TypeTownhouse

StatusPending

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address205 Richmond Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionDurbin Crossing

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size2,613.6 sq ft

Parcel Number0264030360

Amenities

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

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit

SecuritySmoke Detector(s)