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 Middlebourne, St. Johns — a home near Creekside High School.

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Active

Active·3 days on market·Middlebourne

162 Navigators Road

St. Johns, FL 32259

$750,000$257/sqftEst. $3,860/moMLS# 2159419

Beds

Baths

2,919

Sq Ft

2024

Built

Garage

Pool

About this home

Middlebourne

Why wait to build? This better-than-new David Weekley home has custom updates making it ready for you to move right in. The Julington floor plan features 4 bedrooms PLUS an office AND a media room, a 4-CAR GARAGE, and a spacious open living area that leads out to the oversized covered and screened lanai with a peaceful wooded preserve. Every room has been well-designed to maximize space and privacy throughout the home. The primary retreat is the size of some small apartments and is tucked away at the back of the home; enjoying the same wooded view as the main living areas. Beautiful wood beams on the ceiling lead to the ensuite bathroom which prioritizes counter space, storage and leads right into the endless walk-in closet. The gourmet kitchen is the heart of the home and open to the dining room and living room, with a repeat of the wood beam accent on the ceiling. Great for entertaining or just being a part of family life while preparing meals. The custom tile backsplash is a

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,860

Principal & Interest: $3,860

Property taxes (est.): $998

Insurance (est.): $500

Estimated Total Monthly

$5,358

*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$3,860

Property taxesest. at asking price, St. Johns County$998

HOAbilled annually$54

Estimated total, before insurance$4,912/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.

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 2024)

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

As of August 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

Aug 10, 2026Listed$750,000

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

Features

Price$750,000

Price / Sq Ft$257

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,919

Acres0.18 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages4

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPatriot Oaks Academy

MiddlePatriot Oaks Academy

HighCreekside

Community Information

Address162 Navigators Road, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionMiddlebourne

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size7,840.8 sq ft

Parcel Number0098210930

ZoningSingle Family

Amenities

AmenitiesPool, Clubhouse, Dog Park, Gated, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingElectric

CoolingCentral Air

FlooringCarpet

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