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This home is in Elm Ridge, St. Augustine.

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Active

Active·65 days on market·Elm Ridge

35 White Tree Court

St. Augustine, FL 32092

$551,997$249/sqftEst. $2,938/moMLS# 2144829
5
Beds
3
Baths
2,220
Sq Ft
2026
Built
2
Garage
No
Pool

About this home

Elm Ridge

Up to $15k CC for any deal using our preferred lender. Rates as low as 4.99! 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). *Financing subject to change without notice.

Cost to own

Mortgage calculator

$551,997
$110,399
Loan Term
Monthly Payment
$2,806
Principal & Interest: $2,806
Est. Taxes & Insurance: $701
Estimated Total Monthly
$3,507
*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,938
Property taxesest. at asking price, St. Johns County$735
HOAbilled annually$133
Estimated total, before insurance$3,806/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
  • • 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.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

  • May 12, 2026Listed$551,997

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

Features

Price$551,997
Price / Sq Ft$249
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage2,220
Total Structure Area2,620 sq ft
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNortheast

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 Market64
HOA Fees$1,600 / Annually
HOA FrequencyAnnually
HOA NameEvergreen Lifestyles Management
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

The neighborhood

About Elm Ridge

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

View all Elm Ridge homes for sale →

Listing Courtesy of: AXEN REALTY LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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