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 Brook Forest, St. Augustine — a new construction home in St. Johns County.

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Pending

Pending·144 days on market·Brook Forest

405 Brook Forest Drive

St. Augustine, FL 32092

$449,990$241/sqftEst. $2,313/moMLS# 2138886

Beds

Baths

1,864

Sq Ft

2026

Built

Garage

Pool

About this home

Brook Forest

* Sample Photos The Avondale Single Story home is a spacious and well-designed residence nestled in the vibrant Brook Forest community. With 1,864 square feet of thoughtfully planned living space, this home offers comfort and functionality for a variety of lifestyles. As you enter, you're greeted by an open and airy atmosphere. The heart of the home is likely an expansive open-concept area, seamlessly blending the kitchen, dining, and living spaces. This layout is perfect for everyday living and entertaining, allowing for easy flow and conversation between rooms. The kitchen is undoubtedly a focal point, featuring modern appliances and ample counter space. It's easy to imagine preparing meals while chatting with family or guests seated at a potential island or breakfast bar. Adjacent to this area, you might find a dedicated dining space, perfect for family dinners or hosting friends.

Cost to own

Mortgage calculator

Home Price

$449,990

Down Payment: 20%

$89,998

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,313

Principal & Interest: $2,313

Property taxes (est.): $599

Insurance (est.): $300

Estimated Total Monthly

$3,212

*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$2,313

Property taxesest. at asking price, St. Johns County$599

HOAbilled monthly$100

Estimated total, before insurance$3,012/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,212/yr · $101/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

Year	Market value	Taxable value	Change
2025	$90,000	$90,000	—

2025 property taxes (current owner): $1,212/yr

Estimated taxes if purchased at asking price: ~$7,200/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 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

Aug 28, 2026Pending$449,990
Apr 7, 2026Listed$449,990

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

Features

Price$449,990

Price / Sq Ft$241

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,864

Acres0.16 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighTocoi Creek

Community Information

Address405 Brook Forest Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionBrook Forest

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,969.6 sq ft

Lot Dimensions40x130

Parcel Number0103816340

ZoningPUD

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Gated, Jogging Path, Maintenance Grounds, Playground, Tennis Court(s)

UtilitiesCable Available, Natural Gas Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Microwave, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)