790 Navigators Road

St. Johns, FL 32259

$765,232$302/sqftEst. $3,930/moMLS# 2155156

Beds

Baths

2,538

Sq Ft

2026

Built

Garage

Pool

About this home

Middlebourne

Live comfortably in the Santa Cruz! Two-story foyer, 4 bedrooms, 3.5 baths, and 2-car garage. Open-plan kitchen, living, and dining areas keep you connected to guests, while a nearby flex room offers endless options. Spacious, light-filled, and designed for everyday family life.

Cost to own

Mortgage calculator

Home Price

$765,232

Down Payment: 20%

$153,046

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,930

Principal & Interest: $3,930

Property taxes (est.): $1,018

Insurance (est.): $510

Estimated Total Monthly

$5,458

*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$3,930

Property taxesest. at asking price, St. Johns County$1,018

HOAbilled annually$54

Estimated total, before insurance$5,002/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.

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 2026)

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

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