246 Tracker Street

St. Johns, FL 32259

$741,800$292/sqftEst. $3,770/moMLS# 2155336

Beds

Baths

2,537

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 3-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

$741,800

Down Payment: 20%

$148,360

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,770

Principal & Interest: $3,770

Property taxes (est.): $987

Insurance (est.): $495

Estimated Total Monthly

$5,252

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,770

Property taxesest. at asking price, St. Johns County$987

HOAbilled annually$54

Estimated total, before insurance$4,812/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 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

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