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This home is in Elm Ridge, St. Augustine — a new construction home in St. Johns County.

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Sold

Sold·Closed Sep 25, 2026·136 days on market·Recent sales in Elm Ridge·Elm Ridge

35 White Tree Court

St. Augustine, FL 32092

$554,255sold priceListed at $554,997 · 99.9% of asking$250/sqftMLS# 2144829

Beds

Baths

2,220

Sq Ft

2026

Built

Garage

Pool

6 more homes for sale in Elm Ridge →Search Elm Ridge on the map

FEMA Zone XHOA $133/moSingle Family Residence1 storyNew construction

About this home

Elm Ridge

You'll find plenty to love about the versatile Raleigh plan. Off the entryway this home will feature a guest suite with a full bath and walk-in closet. The center of the home boasts a large Gourmet kitchen with a convenient center island and walk-in pantry. The kitchen flows into an open-concept dining room and great room, which offers direct access to an inviting covered patio. From the great room, you can also make your way to three secondary bedrooms as well as the owner's suite. Double doors welcome you into the into the master suite featuring a private bath, walk-in closet, and Tray Ceilings. Multi slide patio doors at the great room. SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s).

Next steps in Elm Ridge

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,070

Property taxesest. at asking price, St. Johns County$738

HOAbilled annually$133

Estimated total, before insurance$3,941/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$554,255

Down Payment: 20%

$110,851

Interest Rate: 7.40%

Loan Term

Monthly Payment

$3,070

Principal & Interest: $3,070

Property taxes (est.): $738

Insurance (est.): $370

Estimated Total Monthly

$4,177

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:28 AM, sunset 6:56 PM.

The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

Oct 13, 2026Closed$554,997
Jul 30, 2026Price change$554,997−$30,000
Jul 27, 2026Price change$584,997+$17,000
Jul 23, 2026Price change$567,997+$16,000
May 12, 2026Listed$551,997

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $234/sq ft; this home is listed at $250/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
257 Day Dream Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC	Sep 2026	$419,990	$234	2/2	1,793	30	0.3
66 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Oct 2026	$487,990	$257	3/2	1,897	86	0.5
262 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Sep 2026	$579,990	$230	4/2.5	2,521	0	0.5
85 Stiffs Mill Lane, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Sep 2026	$478,990	$252	3/2	1,897	1	0.5
101 Stiffs Mill Lane, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Sep 2026	$492,990	$218	4/3.5	2,263	35	0.5
42 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Sep 2026	$499,990	$221	4/3.5	2,263	15	0.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$554,997

Price / Sq Ft$250

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,220

Total Structure Area2,620 sq ft

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesNortheast

School Information

Zoned elementaryMagnolia Oaks Academy

Zoned middleMagnolia Oaks Academy

Zoned highTocoi Creek High School

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.

Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address35 White Tree Court, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionElm Ridge

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0269220490

Amenities

AmenitiesPool, Other, Children's Pool, Clubhouse, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s), Other

AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Front Porch, Patio

RoofShingle

ConstructionOther, Block, Composition Siding, Frame

Additional Information

Date ListedMay 12, 2026

Days on Market136

HOA Fees$1,600 / Annually

HOA FrequencyAnnually

HOA NameEvergreen Lifestyles Management

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: AXEN REALTY LLC

Sold by: NON MLS (realMLS) (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Elm Ridge

Elm Ridge is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.

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