This home is in Durbin Crossing, St. Johns.

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Active

Active·23 days on market·Durbin Crossing

474 Richmond Drive

St. Johns, FL 32259

$285,000$186/sqftEst. $1,453/moMLS# 2153666

Beds

Baths

1,531

Sq Ft

2017

Built

Garage

Pool

About this home

Durbin Crossing

Don't miss this exceptional opportunity to own a meticulously maintained corner-unit townhome with a highly desirable 2-car garage in the heart of Durbin Crossing! Priced to sell and available for quick occupancy, this move-in ready home features 3 bedrooms, 2.5 bathrooms, a bright white kitchen with modern cabinetry, tile flooring throughout the main living areas, and impeccably maintained carpet upstairs that has been meticulously cared for. The desirable corner-unit location offers additional privacy and an abundance of natural light, while the spacious laundry room and functional floorplan provide everyday comfort and convenience. Enjoy resort-style amenities, top-rated St. Johns County schools, and an unbeatable location just minutes from shopping, dining, parks, Durbin Park, and convenient access to I-95. Offering exceptional value in one of St. Johns County's most sought-after communities, this is an opportunity you won't want to miss!

Cost to own

Mortgage calculator

Home Price

$285,000

Down Payment: 20%

$57,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,453

Principal & Interest: $1,453

Property taxes (est.): $379

Insurance (est.): $190

Estimated Total Monthly

$2,022

*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$1,453

Property taxesest. at asking price, St. Johns County$379

HOAbilled monthly$227

Estimated total, before insurance$2,059/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,813/yr · $318/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

Last sold: $311,100 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$274,901	$274,901	—
2024	$277,715	$152,944	—
2023	$273,277	$147,033	—
2022	$248,685	$141,294	—
2021	$199,634	$135,722	—
2020	$189,206	$133,158	—

2025 property taxes (current owner): $3,813/yr

Estimated taxes if purchased at asking price: ~$4,600/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 2017)

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: ~1,779 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