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

Active

Active·Listed today·Middlebourne

103 Junction Avenue

St. Johns, FL 32259

$939,583$29/sqftEst. $4,855/moMLS# 2163928

Beds

Baths

31,966

Sq Ft

2026

Built

Garage

Pool

About this home

Middlebourne

The Palos Verdes blends style and function: two-story foyer, private study, open living with gourmet kitchen, main-floor primary suite, upstairs game room, and 3 spacious bedrooms. Covered lanai extends your living outdoors. Flexible, bright, and move-in ready!

Cost to own

Mortgage calculator

Home Price

$939,583

Down Payment: 20%

$187,917

Interest Rate: 6.71%

Loan Term

Monthly Payment

$4,855

Principal & Interest: $4,855

Property taxes (est.): $1,250

Insurance (est.): $626

Estimated Total Monthly

$6,732

*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$4,855

Property taxesest. at asking price, St. Johns County$1,250

HOAbilled annually$54

Estimated total, before insurance$6,160/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.

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: 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

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 8, 2026Listed$939,583

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

Features

Price$939,583

Price / Sq Ft$29

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage31,966

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

New ConstructionYes

Community Information

Address103 Junction Avenue, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionMiddlebourne

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0098211590

Amenities

AmenitiesPool, Clubhouse, 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, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup