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 St. Augustine — a home near Tocoi Creek High School.

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Pending

Pending·136 days on market

227 River Forest Lane

St. Augustine, FL 32092

$950,000$434/sqftEst. $4,884/moMLS# 2140245

Beds

Baths

2,189

Sq Ft

1995

Built

Garage

Pool

About this home

St. Augustine

**Motivated Sellers ready for their next adventure!** Experience an arrival unlike any other in Northeast Florida. Drive into 227 River Forest through a sensory masterpiece. It'll begin with a scenic drive along State Road 13. To your west, mature, moss-draped oaks frame the shimmering St. Johns River; to your east, some of the region's most prestigious custom homes line the horizon. As you turn toward your estate, the world slows down. A perfectly maintained dirt road flanked by vibrant, sculptural Bottlebrush hedges create a private, emerald corridor leading you to your sanctuary. Nestled on over five acres of pristine land, this meticulously maintained brick residence offers the rare luxury of space without sacrifice. Held by a single owner and cared for with exacting standards, the property balances high-end rural living with modern sophistication. This 2,189 sq. ft. home features a maintenance-free brick exterior.

Cost to own

Mortgage calculator

Home Price

$950,000

Down Payment: 20%

$190,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,884

Principal & Interest: $4,884

Property taxes (est.): $1,264

Insurance (est.): $633

Estimated Total Monthly

$6,781

*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$4,884

Property taxesest. at asking price, St. Johns County$1,264

Estimated total, before insurance$6,148/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,989/yr · $249/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	$619,965	$185,135	—
2024	$615,574	$179,210	—
2023	$586,733	$172,534	—
2022	$530,359	$166,052	—
2021	$382,497	$159,759	—
2020	$288,456	$156,863	—

2025 property taxes (current owner): $2,989/yr

Estimated taxes if purchased at asking price: ~$15,200/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1995)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,465 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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