This home is in Mill Creek Forest, St. Johns.

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Active

Active·178 days on market·Mill Creek Forest

81 Erlking Court

St. Johns, FL 32259

$679,000$202/sqftEst. $3,451/moMLS# 2126461

Beds

Baths

3,358

Sq Ft

2025

Built

Garage

Pool

About this home

Mill Creek Forest

Welcome to the Alice Craftsman floor plan by Toll Brothers, located in the highly desirable Mill Creek Forest community in St. Johns. This thoughtfully designed home features an open floor plan filled with abundant natural light. The gourmet kitchen offers stainless steel appliances and flows seamlessly into the main living areas, ideal for everyday living and entertaining. An enclosed office provides a perfect work-from-home space, while the upgraded extended dining room and upgraded tile flooring add style and functionality. The spacious primary suite features two walk-in closets and a well-appointed bath. Enjoy resort-style amenities including a pool, playground, tennis and pickleball courts, fitness center, yoga space, and clubhouse with kitchen. NO CDD fees. Buyer to verify square footage and measurements

Cost to own

Mortgage calculator

Home Price

$679,000

Down Payment: 20%

$135,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,451

Principal & Interest: $3,451

Est. Taxes & Insurance: $863

Estimated Total Monthly

$4,314

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$3,451

Property taxesest. at asking price, St. Johns County$904

HOAbilled monthly$154

Estimated total, before insurance$4,508/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $1,298,400 in February 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$125,000	$125,000	—
2024	$80,000	$80,000	—

Estimated taxes if purchased at asking price: ~$10,800/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.

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 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

As of July 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

Jan 22, 2026Listed$679,000

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

Features

Price$679,000

Price / Sq Ft$202

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,358

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address81 Erlking Court, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionMill Creek Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Parcel Number0013512470

Amenities

AmenitiesPool, Clubhouse, Gated, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsMulti/Split

LaundryIn Unit