Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Iron Branch, St. Augustine — a new construction home in St. Johns County.

1 / 17

Active

Active·146 days on market·Iron Branch

637 Richland Manor Road

St. Augustine, FL 32092

$1,699,000$352/sqftEst. $8,735/moMLS# 2138462

Beds

Baths

4,826

Sq Ft

2026

Built

Garage

Pool

About this home

Iron Branch

Experience luxury living by Toll Brothers in our Andrea Farmhouse floorplan. This home is set on a 1.4 acre homesite with no neighbors on one side or behind the home. This 5 bedroom, 5.5 bathroom residence features an expansive two story great room filled with natural light, a spacious open-concept layout, and versatile loft. Blending farmhouse-inspired charm with modern luxury, this home is designed for both everyday comfort and upscale entertaining. with expansive living areas, generously sized bedrooms, and a rare level of privacy, the Andrea Farmhouse in Iron Branch offers an exceptional lifestyle opportunity.

Cost to own

Mortgage calculator

Home Price

$1,699,000

Down Payment: 20%

$339,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$8,735

Principal & Interest: $8,735

Property taxes (est.): $2,261

Insurance (est.): $1,133

Estimated Total Monthly

$12,128

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$8,735

Property taxesest. at asking price, St. Johns County$2,261

HOAbilled quarterly$170

Estimated total, before insurance$11,165/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.

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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,779 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