This home is in Durbin Crossing, St. Johns — a waterfront home in St. Johns County.
Active·46 days on market·Durbin Crossing
1745 Pennan Place
St. Johns, FL 32259
22 more homes for sale in Durbin Crossing →Search Durbin Crossing on the map
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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
Next steps in Durbin Crossing
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Hurricane evacuation zone E
Zone E evacuates after zones A, B, C, D in an approaching storm.
Roof: Shingle — 2025 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: ~1,779 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (north)about 12 mi · 70 parking spaces
Closest park or preserve
Julington-Durbin Preserveabout 2 mi · 6.4 mi of trails
Closest public boat ramp
Hood Landing Public Boat Rampabout 4 mi · St. Johns River - Julington Creek
Closest kayak & paddleboard launch
Palmetto Leaves Regional Park Canoe Launchabout 3 mi · Julington Creek - Big Davis Creek
Closest youth league fields
Veterans Parkabout 1 mi · Football, Soccer
Closest grocery store
Aldiabout 0.5 mi · 145 Harper Ln, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:39 AM, sunset 6:41 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real sun without the western afternoon heat.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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.
History
Price & status history
- Sep 14, 2026Listed$789,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $242/sq ft; this home is listed at $250/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1684 Fenton Avenue, St. Johns, FL 32259Listed by TAH FLORIDA LLC | Sep 2026 | $585,000 | $201 | 5/3 | 2,909 | 44 | 0.2 |
| 1681 Fenton Avenue, St. Johns, FL 32259Listed by WATSON REALTY CORP | Oct 2026 | $550,000 | $215 | 4/3 | 2,555 | 46 | 0.3 |
| 570 Saddlestone Drive, St. Johns, FL 32259Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Oct 2026 | $785,000 | $276 | 5/3 | 2,840 | 14 | 0.4 |
| 532 Saddlestone Drive, St. Johns, FL 32259Listed by WATSON REALTY CORP | Oct 2026 | $982,000 | $256 | 5/4 | 3,834 | 37 | 0.5 |
| 409 Starlis Place, St. Johns, FL 32259Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Sep 2026 | $579,900 | $242 | 4/3 | 2,400 | 2 | 0.6 |
| 222 Sarah Elizabeth Drive, St. Johns, FL 32259Listed by GAILEY ENTERPRISES LLC | Sep 2026 | $675,000 | $204 | 4/2.5 | 3,302 | 111 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ROYAL HIGHLANDER REAL ESTATE CONSULTANTS, LLC.
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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 →Keep looking
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Under Contract1324 Fryston StreetSt. Johns, FL 32259
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$899,000Est. $4,785/moA Spooktacular Opportunity in Durbin Crossing | Over $30K Price Reduction! The perfect home for your next chapter may…
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Krista Fracke
Broker Associate
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