This home is in Mill Creek Forest, St. Johns — a home near Bartram Trail High School.
Sold·Closed Jun 5, 2026·320 days on market·Recent sales in Mill Creek Forest·Mill Creek Forest
228 Elm Br Road
St. Johns, FL 32259
15 more homes for sale in Mill Creek Forest →Search Mill Creek Forest on the map
About this home
Mill Creek Forest
**SELLERS OFFERING $5,000 TOWARD CLOSING COSTS OR RATE BUY DOWN** This stunning 4 bed, 3 bath, enclosed office, 3 car garage home by Toll Brothers in Mill Creek Forest - an exclusive *GATED* neighborhood with *NO CDD FEES!* Available now! This residence is a masterpiece of modern design and luxury, offering all the upgrades you've been searching for. This home has 10-foot ceilings and 8-foot doors throughout, with tray ceilings in the great room, giving it a feeling of elegance and openness. The home's gourmet kitchen features quartz countertops, walk-in pantry, porcelain farmhouse style sink, and stainless steel appliances, perfect for entertaining or everyday meals. You will love the convenience of built-in drawer inserts in the bottom cabinets, designed to maximize storage and keep everything neatly in its place.
Next steps in Mill Creek Forest
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.
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 2024)
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 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.
Cost to own
Taxes & assessment
Last sold: $670,000 in May 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $541,880 | $541,880 | — |
| 2024 | $120,000 | $110,000 | — |
| 2023 | $100,000 | $100,000 | — |
2024 property taxes (current owner): $1,686/yr
Estimated taxes if purchased at asking price: ~$10,000/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 (2025), NEFMLS.
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 $229/sq ft; this home is listed at $240/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 207 Hertford Bridge Way, St. Johns, FL 32259Listed by REDFIN CORPORATION | Aug 2026 | $805,000 | $275 | 4/3 | 2,930 | 7 | 0.6 |
| 146 Clarendon Road, St. Johns, FL 32259Listed by ASSIST2SELL FULL SERVICE REALTY LLC. | Sep 2026 | $675,000 | $237 | 4/3 | 2,846 | 42 | 0.8 |
| 79 Lochnagar Mountain Drive, St. Johns, FL 32259Listed by RELAX REALTY LLC | Sep 2026 | $429,000 | $227 | 4/3 | 1,886 | 5 | 1.3 |
| 121 Balmoral Castle Drive, St. Johns, FL 32259Listed by 1 REALTY CORP | Sep 2026 | $440,000 | $229 | 4/2 | 1,923 | 43 | 1.4 |
| 294 Grampian Highlands Drive, St. Johns, FL 32259Listed by RE/MAX SPECIALISTS | Aug 2026 | $452,000 | $221 | 4/3 | 2,041 | 5 | 1.5 |
| 487 S Aberdeenshire Drive, St. Johns, FL 32259Listed by HOVER GIRL PROPERTIES | Sep 2026 | $495,000 | $144 | 5/3 | 3,428 | 55 | 1.6 |
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: CASTILLO REAL ESTATE JAX
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 Mill Creek Forest
Mill Creek Forest is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Mill Creek Forest homes for sale →Keep looking
More homes in Mill Creek Forest
Pending221 Mason Branch DriveSt. Johns, FL 32259
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$658,000Est. $3,502/moDon't miss your opportunity to own the final Ruth floor plan available in Mill Creek Forest, a no CDD community…
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For Sale36 Dalton Mill DriveSt. Johns, FL 32259
4 bd · 3 ba · 2,866 sq ft
$679,000Est. $3,614/moStepping into the Egan floorplan in a non CDD community, you immediately feel the openness created by soaring 10-foot…
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Pending24 Dalton Mill DriveSt. Johns, FL 32259
4 bd · 3 ba · 2,679 sq ft
$689,000Est. $3,667/moTucked within a quiet gated community, this new construction home offers a rare wooded preserve on three sides for…
Listing Office: jacksonville tbi realty, llc
Pending47 Callaway CircleSt. Johns, FL 32259
4 bd · 4 ba · 3,247 sq ft
$728,000Est. $3,875/moLocated in a No CDD community and situated on an impressive 190-foot deep homesite, this beautifully appointed Ruth…
Listing Office: jacksonville tbi realty, llc
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 5, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines