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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 Elm Ridge, St. Augustine — a new construction home in St. Johns County.

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Active

Active·248 days on market·Elm Ridge

290 Old Forest Road

St. Augustine, FL 32092

$540,997$224/sqftEst. $2,997/moMLS# 2129293
↓ $25,000 below original listOpen house Sat, Oct 17 · 11:00 am–5:00 pm
3
Beds
2.5
Baths
2,414
Sq Ft
2026
Built
2
Garage
No
Pool

5 more homes for sale in Elm Ridge →Search Elm Ridge on the map

FEMA Zone XHOA $133/moSingle Family Residence2 storiesNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Elm Ridge

On the main floor of the beautiful Laurel plan, you'll find a convenient powder room, a spacious great room and an open dining room that flows into a well- appointed kitchen with a center island and a roomy pantry. You'll also appreciate a convenient storage area and a tranquil covered patio. Upstairs, discover a loft, a laundry and three bedrooms highlighted by a luxurious primary suite boasting a private bath with double sinks and an oversized walk-in closet. A shared bathroom rounds out this level. Our designer-curated fixtures and finishes are sure to impress! SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s).

Next steps in Elm Ridge

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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$2,997
Property taxesest. at asking price, St. Johns County$720
HOAbilled annually$133
Estimated total, before insurance$3,850/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

$540,997
$108,199
Loan Term
Monthly Payment
$2,997
Principal & Interest: $2,997
Property taxes (est.): $720
Insurance (est.): $361
Estimated Total Monthly
$4,077
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 2026)

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

  • Oct 9, 2026Price change$540,997+$5,000
  • Oct 1, 2026Price change$535,997+$10,000
  • Aug 13, 2026Price change$525,997−$10,000
  • Jul 30, 2026Price change$535,997−$30,000
  • Jul 27, 2026Price change$565,997+$17,000
  • Jul 23, 2026Price change$548,997+$16,000
  • Feb 9, 2026Listed$532,997

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 $250/sq ft; this home is listed at $224/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
35 White Tree Court, St. Augustine, FL 32092Listed by AXEN REALTY LLCSep 2026$554,255$2505/32,2201360.3
257 Day Dream Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$419,990$2342/21,793300.6
48 Fawn Field Lane, St. Augustine, FL 32092Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$512,000$2464/22,0841340.6
322 Silverleaf Village Drive, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$555,000$2613/22,125330.7
232 Creekmore Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$429,000$2503/21,713760.7
57 Stiffs Mill Lane, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$612,990$2044/3.53,005490.8

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$540,997
Price / Sq Ft$224
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,414
Total Structure Area2,814 sq ft
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address290 Old Forest Road, St. Augustine, FL 32092
Area305-World Golf Village Area-Central
SubdivisionElm Ridge
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Parcel Number0269221530

Amenities

AmenitiesPool, Other, Children's Pool, Clubhouse, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s), Other
AppliancesDisposal, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories2
LevelsTwo
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionOther, Block, Composition Siding, Frame, Vinyl Siding

Additional Information

Date ListedFebruary 9, 2026
Days on Market246
HOA Fees$1,600 / Annually
HOA FrequencyAnnually
HOA NameEvergreen Lifestyles Management
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: AXEN 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 Elm Ridge

Elm Ridge is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.

View all Elm Ridge homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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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

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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