This home is in Durbin Crossing, St. Johns — a waterfront home in St. Johns County.
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Active·Listed today·Durbin Crossing
1745 Pennan Place
St. Johns, FL 32259
About this home
Durbin Crossing
Gorgeous home on cul-de-sac overlooking large lake with preserve views. Beautiful stone exterior & columned front porch welcome you home. Formal entry leads to dining/flex space w/ tray ceiling & study w/ double glass doors. Kitchen w/ island, backsplash, double ovens & walk-in pantry make daily meals a cinch. Large informal dining area adjoins oversized great room w/ access to screened porch. Downstairs main suite w/ dual vanities, garden tub, separate shower & large walk-in closet. Powder room, laundry and drop zone to 3-car garage w/ built-ins complete the first floor. Upstairs boasts a large bonus room w/ 2 closets, 2 bedrooms w/ Jack & Jill bathroom. Add'l bedroom & hall bath offer flexibility. Fully fenced backyard w/ paver patio & plenty of room for pool or just great yard space. Durbin Crossing offers 2 amenity centers, fitness, etc. Perfect opportunity to buy now and have tenants in place until early 2027 when sellers new home will be completed. Roof 2025, HVAC 2024, HWH 2021
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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): $8,117/yr
Estimated taxes if purchased at asking price: ~$12,600/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, 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 — 2025 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,779 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 homeThis 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 14, 2026Listed$789,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Durbin Crossing
Durbin Crossing is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Durbin Crossing homes for sale →Listing Courtesy of: ROYAL HIGHLANDER REAL ESTATE CONSULTANTS, LLC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines