This home is in Middlebourne, St. Johns — a waterfront home in St. Johns County.
Sold·Closed Oct 22, 2026·63 days on market·Recent sales in Middlebourne·Middlebourne
55 Navigators Road
St. Johns, FL 32259
17 more homes for sale in Middlebourne →Search Middlebourne on the map
About this home
Middlebourne
Some homes simply offer more space. This one offers more possibilities. Built in 2023 by ICI Homes, this beautifully upgraded Costa Mesa model blends luxury finishes with one of the most versatile floor plans available. Offering 5 bedrooms, 4 baths, and 3,474 square feet, the thoughtful design is ideal for growing families, guests, or multi-generational living. The heart of the home is a stunning open-concept great room where soaring 12-foot ceilings, tray details, clerestory windows, and stacking sliding glass doors frame peaceful pond views and fill the home with natural light. The chef's kitchen is equally impressive, featuring Calcutta Sol quartz countertops, double-stacked white cabinetry with pull-out shelving, a farmhouse sink, premium GE appliances, a 36-inch gas cooktop, built-in wall oven, and an oversized island designed for gathering. The first floor is anchored by a luxurious owner's retreat overlooking the water, complete with a freestanding soaking tub, zero-entry shower
Next steps in Middlebourne
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
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: Shingle — year not disclosed (home built 2023)
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 homeAs 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 14 mi · 70 parking spaces
Closest park or preserve
Gourd Island Conservation Area10 min drive · 3.3 mi of trails
Closest public boat ramp
Hood Landing Public Boat Rampabout 4 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Palmetto Leaves Regional Park Canoe Launchabout 5 mi · Julington Creek - Big Davis Creek
Closest youth league fields
Veterans Park6 min drive · Football, Soccer
Closest grocery store
Aldi8 min drive · 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $700,176 | $515,612 | — |
| 2024 | $699,278 | $500,373 | — |
| 2023 | $150,000 | $150,000 | — |
Estimated taxes if purchased at asking price: ~$12,800/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 (2025), NEFMLS.
History
Price & status history
- Oct 22, 2026Closed$799,000
- Sep 25, 2026Active Under Contract$799,000
- Sep 11, 2026Price change$799,000−$36,000
- Jul 23, 2026Listed$835,000
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 $239/sq ft; this home is listed at $230/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 246 Junction Avenue, St. Johns, FL 32259Listed by ICI SELECT REALTY, INC. | Sep 2026 | $1,019,630 | $317 | 4/3.5 | 3,213 | 0 | 0.1 |
| 275 Freshwater Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Sep 2026 | $775,000 | $239 | 4/3 | 3,244 | 102 | 1.1 |
| 5001 Totem Court, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $775,000 | $315 | 4/3 | 2,463 | 2 | 1.2 |
| 222 Sarah Elizabeth Drive, St. Johns, FL 32259Listed by GAILEY ENTERPRISES LLC | Sep 2026 | $675,000 | $204 | 4/2.5 | 3,302 | 111 | 1.2 |
| 246 Willow Winds Parkway, St. Johns, FL 32259Listed by WATSON REALTY CORP | Aug 2026 | $535,000 | $217 | 4/2 | 2,468 | 6 | 1.2 |
| 157 Longwood Street, St. Johns, FL 32259Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $583,000 | $208 | 4/3.5 | 2,807 | 105 | 1.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY LLC
Sold by: FLORIDA HOMES REALTY & MTG LLC (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 Middlebourne
Middlebourne is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Middlebourne homes for sale →Keep looking
More homes in Middlebourne
Pending37 Junction AvenueSt. Johns, FL 32259
4 bd · 3 ba · 2,574 sq ft
$799,094Est. $4,253/moLive beautifully in the Costa Mesa! 4 bedrooms, 3 baths, deluxe kitchen with island, and 12-foot living room ceilings.…
Listing Office: ici select realty, inc.
Pending214 Junction AvenueSt. Johns, FL 32259
4 bd · 3 ba · 3,416 sq ft
$784,965Est. $4,178/moStep into Victoria, where modern design meets comfort. Enjoy open-concept living, a chef's kitchen, and a covered lanai…
Listing Office: ici select realty, inc.
For Sale790 Navigators RoadSt. Johns, FL 32259
4 bd · 3.5 ba · 2,538 sq ft
$765,232Est. $4,073/moLive comfortably in the Santa Cruz! Two-story foyer, 4 bedrooms, 3.5 baths, and 2-car garage. Open-plan kitchen,…
Listing Office: ici select realty, inc.
Pending280 Junction AvenueSt. Johns, FL 32259
4 bd · 3.5 ba · 3,237 sq ft
$832,780Est. $4,432/moLive large in the Brooklyn! 4 bedrooms, 3.5 baths, 3-car garage, and 3,000+ sq ft of open, light-filled living. Gourmet…
Listing Office: ici select realty, inc.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 22, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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Northeast Florida living
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