This home is in Durbin Crossing, St. Johns — a home near Creekside High School.
Active·49 days on market·Durbin Crossing
440 Servia Drive
St. Johns, FL 32259
About this home
Durbin Crossing
Remarkably maintained FURNISHED Townhome in Palisades at Durbin Crossing. Yes, furniture is included or can be removed at buyer's request! 2bd 2.5bth with 1346sqft of bright living space. Kitchen looks and feels new with stainless appliances. The kitchen opens directly into the living space for easy entertainment with guests and family. Back patio allows for enjoyment of evening sunsets outside and view of the protected wooded area behind you. Upstairs you'll find two seperate sizeable bedrooms, each with own walk in closet. Bathrooms feature tub shower combo and large vanity area. Access to Durbin Creek Plantation amenities. Close to shopping and top rated schools of St. John's County. Short drive to the Jacksonville Beaches. Your new home awaits! Priced for investors looking to grow their portfolio too. Not working with an agent? Call us for your showing to see this gorgeous townhome. Seller extremly realistic in pricing for the current market to spark quick sale and move in!!
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $243,372 | $124,641 | — |
| 2023 | $245,372 | $119,554 | — |
| 2022 | $225,602 | $114,616 | — |
| 2021 | $171,622 | $109,821 | — |
| 2020 | $157,614 | $107,614 | — |
2025 property taxes (current owner): $3,572/yr
Estimated taxes if purchased at asking price: ~$4,200/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.
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 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,735 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 homeAs 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 12, 2026Active$265,000
- Jul 9, 2026Listed$265,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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 →Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines