This home is in Bridgewater, St. Augustine.

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Active

Active·109 days on market·Bridgewater

409 Talulla Trail

St. Augustine, FL 32095

$310,000$206/sqftEst. $1,581/moMLS# 2138919

Beds

Baths

1,502

Sq Ft

2024

Built

Garage

Pool

About this home

Bridgewater

Almost new town-home, offers 3 bedrooms, 2.5 baths, and a 1-car garage in a top-rated St johns school district. Experience modern living with smart technology integrated throughout, an open floor plan, and a stunning kitchen featuring granite countertops and new stainless steel appliances, including a washer and dryer. Spacious living/dining area. Close to shops, dining, Top rated schools and many more. Bridgewater is located off County Road 210 just west of I-95.

Cost to own

Mortgage calculator

Home Price

$310,000

Down Payment: 20%

$62,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,581

Principal & Interest: $1,581

Property taxes (est.): $413

Insurance (est.): $207

Estimated Total Monthly

$2,200

*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$1,581

Property taxesest. at asking price, St. Johns County$413

HOAbilled monthly$61

Estimated total, before insurance$2,054/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,352/yr · $446/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: $326,700 in January 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$264,638	$264,638	—
2024	$70,000	$70,000	—
2023	$70,000	$70,000	—
2022	$18,760	$18,760	—

2025 property taxes (current owner): $5,352/yr

Estimated taxes if purchased at asking price: ~$5,000/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 2024)

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).

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