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 Durbin Crossing, St. Johns — a pool home in St. Johns County.

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Active

Active·4 days on market·Durbin Crossing

570 Saddlestone Drive

St. Johns, FL 32259

$799,000$281/sqftEst. $4,129/moMLS# 2163155

Beds

Baths

2,840

Sq Ft

2008

Built

Garage

Yes

Pool

About this home

Durbin Crossing

This meticulously maintained 5-bedroom, 3-bathroom pool home with an office and 3-car garage in North Durbin Crossing is ready for you. Built by Toll Brothers, it features premium upgrades including soaring ceilings, arched doorways, bay windows, a decorative gas fireplace, and hardwood floors on the main level. Double doors open to the downstairs primary suite, showcasing an elegant tray ceiling and beautiful backyard views. Across the main floor, a second bedroom offers peaceful backyard views and access to a full bathroom. The heart of the home is the kitchen, equipped with custom cabinetry, granite countertops, double ovens, and a new refrigerator. Enjoy seamless indoor-outdoor living with a massive, screened-in pool area perfect for entertaining. Beyond the screen, a large backyard opens to private preserve views. Upstairs, find new vinyl flooring throughout the remaining three bedrooms. Updates include- Pool Heater (2025) Salt Cell & Filter (2024) New Roof (2024) and AC (2020).

Cost to own

Mortgage calculator

Home Price

$799,000

Down Payment: 20%

$159,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$4,129

Principal & Interest: $4,129

Property taxes (est.): $1,063

Insurance (est.): $533

Estimated Total Monthly

$5,725

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$4,129

Property taxesest. at asking price, St. Johns County$1,063

HOAbilled annually$6

Estimated total, before insurance$5,198/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,242/yr · $937/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): $11,242/yr

Estimated taxes if purchased at asking price: ~$12,800/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.

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: material not specified — 2024 per the listing

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,740 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

As of September 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

Sep 2, 2026Listed$799,000

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

Features

Price$799,000

Price / Sq Ft$281

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,840

Acres0.31 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Screen Enclosure

Is WaterfrontNo

School Information

ElementaryDurbin Creek

MiddleFruit Cove

HighCreekside

Community Information

Address570 Saddlestone Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionDurbin Crossing

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size13,503.6 sq ft

Parcel Number0096316049

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingElectric Vehicle Charging Station(s), Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Double Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo