This home is in Bridgewater, St. Augustine.

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Pending

Pending·151 days on market·Bridgewater

170 Talulla Trail

St. Augustine, FL 32095

$256,000$212/sqftEst. $1,305/moMLS# 2131957

Beds

Baths

1,210

Sq Ft

2023

Built

Garage

Pool

About this home

Bridgewater

What a beautiful townhome in a great location in St. Johns County. You will find granite countertops, white cabinets and stainless steel appliances in the kitchen. There is tile throughout the first floor. You can sit out on the back patio and enjoy the view of the pond out back and the sounds of the fountain. Plenty of storage space in the one car garage. This location is close to the community pool and amenity center, just an easy walk away. The walls have been painted and the home is in move-in ready condition. There is easy access to restaurants, grocery stores, shopping and to the interstate. Seller is willing to help with closing costs/ rate buydown.

Cost to own

Mortgage calculator

Home Price

$256,000

Down Payment: 20%

$51,200

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,305

Principal & Interest: $1,305

Property taxes (est.): $341

Insurance (est.): $171

Estimated Total Monthly

$1,817

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$1,305

Property taxesest. at asking price, St. Johns County$341

HOAbilled monthly$65

Estimated total, before insurance$1,711/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,416/yr · $368/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $290,000 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$233,879	$183,157	—
2024	$238,237	$188,237	—
2023	$70,000	$70,000	—
2022	$18,760	$18,760	—

2025 property taxes (current owner): $4,416/yr

Estimated taxes if purchased at asking price: ~$4,100/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 2023)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,502 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 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