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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Mill Creek Forest, St. Johns — a new construction home in St. Johns County.

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Sold

Sold·Closed May 27, 2026·197 days on market·Recent sales in Mill Creek Forest·Mill Creek Forest

185 Mason Branch Drive

St. Johns, FL 32259

$649,000sold priceListed at $649,000 · 100% of asking$264/sqftMLS# 2112034
3
Beds
3
Baths
2,457
Sq Ft
2025
Built
3
Garage
No
Pool

15 more homes for sale in Mill Creek Forest →Search Mill Creek Forest on the map

HOA $154/moSingle Family Residence1 storyNew construction

About this home

Mill Creek Forest

Your new Toll Brothers home is calling! This move-in ready single-level home brings together open living and elegant finishes in one inviting space, and it sits within a beautiful gated community with no CDD fees. Step inside and you'll find durable luxury vinyl plank flooring flowing throughout the main living areas, setting the tone for a warm and cohesive design. The expansive great room serves as the heart of the home, offering plenty of natural light and an effortless connection to the gourmet kitchen, where a large center island, quartz countertops, and designer cabinetry create the perfect space for both everyday meals and entertaining. The dining area sits just beyond, with views of the backyard that make every gathering feel special. The primary suite offers a relaxing retreat with a luxurious bathroom and spacious walk-in closet, while the secondary bedrooms provide comfort and flexibility for guests, family, or a home office. Come check it out today!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,595
Property taxesest. at asking price, St. Johns County$864
HOAbilled monthly$154
Estimated total, before insurance$4,612/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$649,000
$129,800
Loan Term
Monthly Payment
$3,595
Principal & Interest: $3,595
Property taxes (est.): $864
Insurance (est.): $433
Estimated Total Monthly
$4,891
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2025)

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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$85,000$85,000—

Estimated taxes if purchased at asking price: ~$10,400/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 $237/sq ft; this home is listed at $264/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
207 Hertford Bridge Way, St. Johns, FL 32259Listed by REDFIN CORPORATIONAug 2026$805,000$2754/32,93070.2
120 Dalton Mill Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA REALTYSep 2026$540,000$3003/21,801560.3
146 Clarendon Road, St. Johns, FL 32259Listed by ASSIST2SELL FULL SERVICE REALTY LLC.Sep 2026$675,000$2374/32,846420.5
79 Lochnagar Mountain Drive, St. Johns, FL 32259Listed by RELAX REALTY LLCSep 2026$429,000$2274/31,88651.1
121 Balmoral Castle Drive, St. Johns, FL 32259Listed by 1 REALTY CORPSep 2026$440,000$2294/21,923431.3
483 S Aberdeenshire Drive, St. Johns, FL 32259Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$415,000$1814/32,2882191.3

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

Price$649,000
Price / Sq Ft$264
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,457
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
New ConstructionYes

Community Information

Address185 Mason Branch Drive, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionMill Creek Forest
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Parcel Number0013511990

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Gated
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Smart Thermostat, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Microwave, Tankless Water Heater
HeatingCentral, Electric, Zoned
CoolingCentral Air, Electric, Zoned
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear, Wooded
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedOctober 5, 2025
Days on Market197
HOA Fees$154 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: JACKSONVILLE TBI REALTY, 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 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 →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 27, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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