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This home is in Durbin Crossing, St. Johns — a waterfront home in St. Johns County.

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Active

Active·45 days on market·Durbin Crossing

116 Quail Creek Circle

St. Johns, FL 32259

$683,000$190/sqftEst. $3,508/moMLS# 2153909

Beds

Baths

3,594

Sq Ft

2011

Built

Garage

Pool

About this home

Durbin Crossing

Impressive pond-front 5BR/4BA home in highly desirable Durbin Crossing! Boasting 3594 SF, this beautifully designed home with fresh paint & carpet offers an open, light-filled floor plan perfect for everyday living and entertaining. The gourmet kitchen is a standout with 42'' espresso cabinets, stainless steel appliances, Silestone quartz counter tops ,oversized walk-in pantry, breakfast nook,& a California-style island with seating for 4. The spacious owner's suite features serene water views, a large walk-in closet, garden tub, separate shower, & double vanities. Upstairs bonus room provides flexible space for a playroom, media room, or home office. Enjoy relaxing on the covered & screened lanai overlooking the peaceful pond. Ideally located near top shopping, dining, entertainment, with quick & easy access to both Duval & Clay counties. Great neighborhood amenities including pools, playgrounds, fitness & courts. Zoned with fabulous & nearby A- rated schools, This home has it all

Cost to own

Mortgage calculator

Home Price

$683,000

Down Payment: 20%

$136,600

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,508

Principal & Interest: $3,508

Property taxes (est.): $909

Insurance (est.): $455

Estimated Total Monthly

$4,872

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,508

Property taxesest. at asking price, St. Johns County$909

HOAbilled annually$6

Estimated total, before insurance$4,422/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,799/yr · $483/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
2024	$601,877	$401,808	—
2023	$617,318	$371,626	—
2022	$588,022	$343,871	—
2021	$413,997	$318,331	—
2020	$384,629	$301,420	—

2025 property taxes (current owner): $5,799/yr

Estimated taxes if purchased at asking price: ~$10,900/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 (2024), 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: Shingle — year not disclosed (home built 2011)

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: ~1,785 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

Aug 11, 2026Price change$683,000−$12,000
Jul 13, 2026Price change$695,000−$40,000
Jul 6, 2026Listed$735,000

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

Features

Price$683,000

Price / Sq Ft$190

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,594

Acres0.27 acres

Year Built2011

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesNorth

School Information

ElementaryPatriot Oaks Academy

MiddlePatriot Oaks Academy

HighCreekside

Community Information

Address116 Quail Creek Circle, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionDurbin Crossing

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size11,761.2 sq ft

Parcel Number0096354860

ZoningPUD

Amenities

AmenitiesBasketball Court, Children's Pool, Clubhouse, Fitness Center, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage Door Opener

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator, Water Softener Owned

HeatingElectric

CoolingElectric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryLower Level