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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Middlebourne, St. Johns — a new construction home in St. Johns County.

Pending

Pending·97 days on market·Middlebourne

246 Tracker Street

St. Johns, FL 32259

$741,800$292/sqftEst. $4,109/mo mortgageMLS# 2155336
4
Beds
3.5
Baths
2,537
Sq Ft
2026
Built
2
Garage
No
Pool

17 more homes for sale in Middlebourne →Search Middlebourne on the map

HOA $54/moSingle Family Residence2 storiesNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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.

Next steps in Middlebourne

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,109
Property taxesest. at asking price, St. Johns County$987
HOAbilled annually$54
Estimated total, before insurance$5,150/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$741,800
$148,360
Loan Term
Monthly Payment
$4,109
Principal & Interest: $4,109
Property taxes (est.): $987
Insurance (est.): $495
Estimated Total Monthly
$5,590
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Jul 14, 2026Listed$741,800

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $229/sq ft; this home is listed at $292/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
246 Junction Avenue, St. Johns, FL 32259Listed by ICI SELECT REALTY, INC.Sep 2026$1,019,630$3174/3.53,21300.3
201 Granite City Avenue, St. Johns, FL 32259Listed by THE LEGENDS OF REAL ESTATESep 2026$515,000$2184/32,361610.5
121 Balmoral Castle Drive, St. Johns, FL 32259Listed by 1 REALTY CORPSep 2026$440,000$2294/21,923430.7
43 Cruden Bay Court, St. Johns, FL 32259Listed by BRIDGE & BEACON REAL ESTATE LLCSep 2026$440,000$2164/32,041420.8
717 Shetland Drive, St. Johns, FL 32259Listed by WATSON REALTY CORPOct 2026$435,000$2393/21,819290.9
80 Dogleg Run, St. Johns, FL 32259Listed by COMPASS FLORIDA LLCOct 2026$390,000$2073/21,886991.1

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$741,800
Price / Sq Ft$292
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,537
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

Community Information

Address246 Tracker Street, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionMiddlebourne
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0098212720

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Pickleball, Security
UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Available, Water Available
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

AppliancesDishwasher, Electric Oven, Gas Cooktop, Gas Range, Ice Maker
HeatingCentral
CoolingCentral Air
FlooringCarpet, Wood
# of Stories2

Exterior

Patio / PorchPatio
RoofShingle

Additional Information

Date ListedJuly 14, 2026
Days on Market0
HOA Fees$650 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: ICI SELECT REALTY, INC.

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Middlebourne

Middlebourne is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Middlebourne homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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