Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Durbin Crossing, St. Johns — a home near Creekside High School.

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Active

Active·22 days on market·Durbin Crossing

532 Saddlestone Drive

St. Johns, FL 32259

$998,000$260/sqftEst. $5,136/moMLS# 2156558

Beds

Baths

3,834

Sq Ft

2009

Built

Garage

Yes

Pool

About this home

Durbin Crossing

Wow! This 5br/4ba POOL home in Durbin Crossing is a showstopper! The main living areas are open and welcoming, and provide both casual and more formal gathering options. The updated white kitchen is as sophisticated as it is functional with lots of counter space and cabinetry. The oversized primary BR is on the main floor as well as an office, LR, FR, DR, 2 more BRs/ baths and laundry. And while you're downstairs, be sure to look up to take in the coffered and tray ceilings, and look down at the beautiful wood floors. Upstairs you'll find a loft, 2 BRs & a full bath. The house is completely updated and comfortable but you may find yourself spending much of your time outside. There you'll find a screened salt pool, firepit and outdoor kitchen with Evo flat top griddle! First story is concrete block construction. Recent updates include new roof (2024), tankless water heater (2024), new gutters and new water softener.Cul-de-sac street; zoned for SJC A-rated schools.

Cost to own

Mortgage calculator

Home Price

$998,000

Down Payment: 20%

$199,600

Interest Rate: 6.67%

Loan Term

Monthly Payment

$5,136

Principal & Interest: $5,136

Property taxes (est.): $1,328

Insurance (est.): $665

Estimated Total Monthly

$7,129

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$5,136

Property taxesest. at asking price, St. Johns County$1,328

HOAbilled annually$5

Estimated total, before insurance$6,469/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,189/yr · $766/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,189/yr

Estimated taxes if purchased at asking price: ~$15,900/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, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,766 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 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

Price & status history

Jul 22, 2026Listed$998,000

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

Features

Price$998,000

Price / Sq Ft$260

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,834

Acres0.29 acres

Year Built2009

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Pool Sweep, Salt Water, Screen Enclosure

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryDurbin Creek

MiddleFruit Cove

HighCreekside

Community Information

Address532 Saddlestone Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionDurbin Crossing

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size12,632.4 sq ft

Parcel Number0096316058

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo