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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Middlebourne, St. Johns — a waterfront home in St. Johns County.

Pending

Pending·59 days on market·Middlebourne

53 Junction Avenue

St. Johns, FL 32259

$725,165$270/sqftEst. $4,017/mo mortgageMLS# 2161305
4
Beds
3
Baths
2,689
Sq Ft
2026
Built
3
Garage
No
Pool

17 more homes for sale in Middlebourne →Search Middlebourne on the map

HOA $54/moWaterfrontSingle Family Residence1 storyNew construction

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Middlebourne

The Costa Mesa offers 2,500+ sq ft of open-concept living with 4 bedrooms, 3 baths, and a deluxe kitchen with large island. 12-foot living room ceilings and an extended lanai create the perfect indoor-outdoor flow. Master suite with walk-in closet and spa-inspired bath. Flexible spaces and customization options complete this family-ready home.

Next steps in Middlebourne

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,017
Property taxesest. at asking price, St. Johns County$965
HOAbilled annually$54
Estimated total, before insurance$5,036/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$725,165
$145,033
Loan Term
Monthly Payment
$4,017
Principal & Interest: $4,017
Property taxes (est.): $965
Insurance (est.): $483
Estimated Total Monthly
$5,465
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 2026)

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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

YearMarket valueTaxable valueChange
2025$150,000$150,000—
2024$145,000$145,000—

Estimated taxes if purchased at asking price: ~$11,600/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 (2025), NEFMLS.

History

Price & status history

  • Aug 21, 2026Listed$725,165

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 $304/sq ft; this home is listed at $270/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
246 Junction Avenue, St. Johns, FL 32259Listed by ICI SELECT REALTY, INC.Sep 2026$1,019,630$3174/3.53,21300.2
80 Dogleg Run, St. Johns, FL 32259Listed by COMPASS FLORIDA LLCOct 2026$390,000$2073/21,886990.8
201 Granite City Avenue, St. Johns, FL 32259Listed by THE LEGENDS OF REAL ESTATESep 2026$515,000$2184/32,361610.8
1578 Stillwater Boulevard, St. Johns, FL 32259Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$375,000$1993/21,8861741
5001 Totem Court, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$775,000$3154/32,46321.1
4933 Blackhawk Drive, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$675,000$3043/22,21911.1

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

Price$725,165
Price / Sq Ft$270
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,689
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusPending
# of Garages3
Has PoolNo
Is WaterfrontYes
Gated CommunityYes
New ConstructionYes

School Information

Community Information

Address53 Junction Avenue, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionMiddlebourne
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0098211560

Amenities

AmenitiesPool, Dog Park, Gated, Playground
UtilitiesElectricity Available, Natural Gas Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
# of Stories1
LevelsOne

Exterior

Patio / PorchCovered, Rear Porch
RoofShingle
ConstructionConcrete, Frame
Road SurfaceAsphalt, Paved

Additional Information

Date ListedAugust 21, 2026
Days on Market0
HOA Fees$650 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: ICI SELECT REALTY, INC.

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 →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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