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 waterfront home in St. Johns County.

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Active

Active·2 days on market·Durbin Crossing

127 Rockcreek Drive

St. Johns, FL 32259

$799,900$233/sqftEst. $4,134/moMLS# 2163555

Beds

Baths

3,440

Sq Ft

2013

Built

Garage

Pool

About this home

Durbin Crossing

Welcome to this beautifully appointed 4-bedroom, 3.5-bath home in the highly desirable Durbin Crossing community, offering nearly 3,500 square feet of spacious and thoughtfully designed living space. Featuring a beautiful blend of tile and Acacia hardwood flooring, this home combines warmth, elegance, and functionality throughout. Generously sized bedrooms provide plenty of room for everyone, while the formal living and dining rooms offer ideal spaces for entertaining and special gatherings. Step outside to a Beautiful Backyard with an extended patio overlooking Serene Water Vews--the perfect setting to relax, entertain, or enjoy peaceful Florida evenings. With its spacious layout, inviting outdoor living, and desirable waterfront setting, this exceptional home offers the perfect combination of comfort, style, and everyday functionality.

Cost to own

Mortgage calculator

Home Price

$799,900

Down Payment: 20%

$159,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$4,134

Principal & Interest: $4,134

Property taxes (est.): $1,064

Insurance (est.): $533

Estimated Total Monthly

$5,731

*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$4,134

Property taxesest. at asking price, St. Johns County$1,064

HOAbilled annually$6

Estimated total, before insurance$5,203/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,719/yr · $643/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): $7,719/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.

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 2013)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,789 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

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 4, 2026Listed$799,900

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

Features

Price$799,900

Price / Sq Ft$233

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,440

Acres0.17 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPatriot Oaks Academy

HighCreekside

Community Information

Address127 Rockcreek Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionDurbin Crossing

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size7,405.2 sq ft

Parcel Number0096212800

ZoningResidential

Amenities

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

UtilitiesCable Available, Propane

Water SourcePublic

ParkingGarage

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories2

LevelsTwo

LaundryLower Level