This home is in Middlebourne, St. Johns.

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Active

Active·Listed today·Middlebourne

55 Navigators Road

St. Johns, FL 32259

$835,000$240/sqftEst. $4,257/moMLS# 2156739

Beds

Baths

3,474

Sq Ft

2023

Built

Garage

Pool

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

Cost to own

Mortgage calculator

Home Price

$835,000

Down Payment: 20%

$167,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,257

Principal & Interest: $4,257

Property taxes (est.): $1,111

Insurance (est.): $557

Estimated Total Monthly

$5,925

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$4,257

Property taxesest. at asking price, St. Johns County$1,111

HOAbilled annually$54

Estimated total, before insurance$5,423/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.

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: ~$13,300/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.

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 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 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

Price & status history

Jul 23, 2026Listed$835,000

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

Features

Price$835,000

Price / Sq Ft$240

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,474

Acres0.20 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryPatriot Oaks Academy

MiddlePatriot Oaks Academy

HighCreekside

Community Information

Address55 Navigators Road, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionMiddlebourne

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size8,712 sq ft

Parcel Number0098211040

Amenities

AmenitiesPool, Clubhouse, Gated, Playground

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LaundryIn Unit, Lower Level

SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)