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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 new construction home in St. Johns County.

Pending

Pending·Listed today·Middlebourne

809 Navigators Road

St. Johns, FL 32259

$759,860$238/sqftEst. $3,902/moMLS# 2161308
4
Beds
5
Baths
3,191
Sq Ft
2026
Built
3
Garage
No
Pool

About this home

Middlebourne

Live large in the Palos Verdes! Soaring ceilings, open living, gourmet kitchen, main-floor primary suite, game room upstairs, plus 3 bedrooms with walk-ins. Covered lanai perfect for entertaining. Stylish, functional, and fully customizable to fit your lifestyle.

Cost to own

Mortgage calculator

$759,860
$151,972
Loan Term
Monthly Payment
$3,902
Principal & Interest: $3,902
Property taxes (est.): $1,011
Insurance (est.): $507
Estimated Total Monthly
$5,420
*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,902
Property taxesest. at asking price, St. Johns County$1,011
HOAbilled annually$54
Estimated total, before insurance$4,968/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.

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.

History

Price & status history

  • Aug 21, 2026Listed$759,860

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

Features

Price$759,860
Price / Sq Ft$238
Bedrooms4
Bathrooms5.00
Full Baths5
Square Footage3,191
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusPending
# of Garages3
Has PoolNo
Is WaterfrontYes
Gated CommunityYes
New ConstructionYes

School Information

ElementaryPatriot Oaks Academy
MiddlePatriot Oaks Academy
HighCreekside

Community Information

Address809 Navigators Road, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionMiddlebourne
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0098211500

Amenities

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

Interior

Interior FeaturesEntrance Foyer, His and Hers Closets, Kitchen Island, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

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

The neighborhood

About Middlebourne

Middlebourne is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Middlebourne homes for sale →

Listing Courtesy of: ICI SELECT REALTY, INC.

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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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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