This home is in Mill Creek Forest, St. Johns.
Active·136 days on market·Mill Creek Forest
42 Mason Branch Drive
St. Johns, FL 32259
About this home
Mill Creek Forest
Ready for September/October 2026 and located on a stunning pond to preserve homesite in a gated community, this beautiful single story home is just a short stroll to the amenities and offers the added benefit of no CDD fees! Featuring 3 bedrooms, 2 bathrooms, and a 2 car garage across 1,800 sq. ft., the home includes an expanded primary bedroom for added comfort, a tray ceiling in the great room that enhances the open living space, and an impressive 8' x 12' glass sliding door that fills the home with natural light while showcasing the peaceful outdoor views, creating a warm and inviting atmosphere with a seamless indoor-outdoor living experience perfect for relaxing evenings or entertaining guests. Don't miss the chance to experience this home in person, come see it for yourself today!
Cost to own
Mortgage calculator
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, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $85,000 | $85,000 | — |
2025 property taxes (current owner): $1,145/yr
Estimated taxes if purchased at asking price: ~$8,000/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.
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 homeAs 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
- Jul 19, 2026Price change$498,000−$1,000
- Jul 7, 2026Price change$499,000−$20,000
- Mar 5, 2026Listed$519,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
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 →Listing Courtesy of: JACKSONVILLE TBI REALTY, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
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