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

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Sold

Sold·Closed Oct 2, 2026·37 days on market·Recent sales in Durbin Crossing·Durbin Crossing

532 Saddlestone Drive

St. Johns, FL 32259

$982,000sold priceListed at $998,000 · 98.4% of asking$256/sqftMLS# 2156558

Beds

Baths

3,834

Sq Ft

2009

Built

Garage

Yes

Pool

28 more homes for sale in Durbin Crossing →Search Durbin Crossing on the map

FEMA Zone XHOA $5/mo12,632 sqft lotSingle Family Residence2 stories

About this home

Durbin Crossing

This 5br/4ba POOL home in Durbin Crossing is a showstopper! The main living areas are open & welcoming, and provide both casual and formal gathering options. The updated white kitchen is as sophisticated as it is functional with lots of counter space and cabinetry. An oversized primary BR is on the main floor as well as an office, LR, FR, DR, 2 more BRs/ BAs & laundry. Real wood floors on main level. 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 electric water heater (2024), new gutters and new water softener.Cul-de-sac street; zoned for SJC A-rated schools. Fireplace is gas (propane) and sellers have never connected it or used it.

Next steps in Durbin Crossing

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$5,439

Property taxesest. at asking price, St. Johns County$1,307

HOAbilled annually$5

Estimated total, before insurance$6,751/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).

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.

Around this address

Nearby, from public data

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

Closest beach parking
Guana Reserve beach lot (north)
about 12 mi · 70 parking spaces
Closest park or preserve
Julington-Durbin Preserve
about 2 mi · 6.4 mi of trails
Closest public boat ramp
Hood Landing Public Boat Ramp
about 3 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Palmetto Leaves Regional Park Canoe Launch
about 3 mi · Julington Creek - Big Davis Creek
Closest youth league fields
Veterans Park
about 1 mi · Football, Soccer
Closest grocery store
Aldi
about 0.5 mi · 145 Harper Ln, Saint Johns

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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard and pool on the north side. Today at this address: sunrise 7:32 AM, sunset 6:49 PM.

A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$15,700/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.

History

Price & status history

Oct 2, 2026Closed$998,000
Sep 15, 2026Pending$998,000
Aug 28, 2026Active Under Contract$998,000
Jul 22, 2026Listed$998,000

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 $234/sq ft; this home is listed at $260/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
1684 Fenton Avenue, St. Johns, FL 32259Listed by TAH FLORIDA LLC	Sep 2026	$585,000	$201	5/3	2,909	44	0.4
1629 Fenton Avenue, St. Johns, FL 32259Listed by ROUND TABLE REALTY	Jul 2026	$875,000	$239	5/3.5	3,668	50	0.5
3220 Chestnut Court, St. Johns, FL 32259Listed by WATSON REALTY CORP	Sep 2026	$660,000	$213	5/3.5	3,103	11	0.6
84 Pavia Place, St. Johns, FL 32259Listed by UNITED REAL ESTATE GALLERY	Jul 2026	$685,000	$248	4/2.5	2,763	8	0.6
222 Sarah Elizabeth Drive, St. Johns, FL 32259Listed by GAILEY ENTERPRISES LLC	Sep 2026	$675,000	$204	4/2.5	3,302	111	0.7
1908 Dumfries Court, St. Johns, FL 32259Listed by WATSON REALTY CORP	Aug 2026	$945,000	$234	5/5	4,032	28	0.7

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$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

StatusClosed

# 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)

Community FeaturesSidewalks, Street Lights, Curbs

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

Exterior

Exterior FeaturesFire Pit, Outdoor Kitchen

Patio / PorchCovered, Screened

ConstructionBlock, Frame

Additional Information

Date ListedJuly 22, 2026

Days on Market37

HOA Fees$65 / Annually

HOA FrequencyAnnually

Tax Amount$9,189.25

Tax Year2025

Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Sold by: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (buyer's brokerage)

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 Durbin Crossing

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

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