790 Navigators

St. Johns, FL 32259

$771,637$304/sqftEst. $4,107/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

$771,637

Down Payment: 20%

$154,327

Interest Rate: 7.00%

Loan Term

Monthly Payment

$4,107

Principal & Interest: $4,107

Est. Taxes & Insurance: $1,027

Estimated Total Monthly

$5,134

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$4,107

Property taxesest. at asking price, St. Johns County$1,027

HOAbilled annually$54

Estimated total, before insurance$5,188/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History