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This home is in Durbin Crossing, St. Johns.

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Active·Listed today·Durbin Crossing

1681 Fenton Avenue

St. Johns, FL 32259

$565,000$221/sqftEst. $2,881/moMLS# 2157680

Beds

Baths

2,555

Sq Ft

2010

Built

Garage

Pool

About this home

Durbin Crossing

Welcome home to this well-maintained residence in the highly sought-after Durbin Crossing community! On a quiet dead-end street, this home offers functional living spaces, updates, and resort style amenities in the community. Improvements provide peace of mind, including a new roof (2019), HVAC (2024), all new windows (2025), and water heater (2025). Inside, you'll find newer wood grain tile flooring throughout the main living areas, updated lighting, a private office with French doors, and a formal dining room for entertaining. The spacious kitchen features a breakfast nook, granite countertops, ample cabinet space, and all kitchen appliances convey. The spacious family room overlooks the covered patio and fully fenced backyard, creating an ideal space for relaxing or entertaining. The split-bedroom floor plan offers privacy for the primary suite, complete with a sitting area filled with natural light. Primary bath features dual vanities, a garden tub, and

Cost to own

Mortgage calculator

Home Price

$565,000

Down Payment: 20%

$113,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,881

Principal & Interest: $2,881

Property taxes (est.): $752

Insurance (est.): $377

Estimated Total Monthly

$4,009

*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$2,881

Property taxesest. at asking price, St. Johns County$752

HOAbilled annually$6

Estimated total, before insurance$3,638/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,337/yr · $861/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): $10,337/yr

Estimated taxes if purchased at asking price: ~$9,000/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.

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 — 2019 per the listing

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

Solar potential: ~1,755 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

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