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This home is in Durbin Crossing, St. Johns.

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Active·Listed today·Durbin Crossing

576 Richmond Drive

St. Johns, FL 32259

$289,000$187/sqftEst. $1,487/moMLS# 2160081

Beds

Baths

1,548

Sq Ft

2018

Built

Garage

Pool

About this home

Durbin Crossing

Heart oif St Johns and live the lifestyle in this very popular floor plan in Durbin Crossing. Home sits with a park in the backyard and great back porch. Come by and see this home and see what the Durbin Crossing Lifestyle is all about! Don't forget to check out the amazing amenity center!

Cost to own

Mortgage calculator

Home Price

$289,000

Down Payment: 20%

$57,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,487

Principal & Interest: $1,487

Property taxes (est.): $385

Insurance (est.): $193

Estimated Total Monthly

$2,065

*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$1,487

Property taxesest. at asking price, St. Johns County$385

HOAbilled monthly$227

Estimated total, before insurance$2,099/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,660/yr · $472/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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): $5,660/yr

Estimated taxes if purchased at asking price: ~$4,600/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