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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Mill Creek Forest, Jacksonville.

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Active

Active·55 days on market·Mill Creek Forest

131 Bridgeton Street

Jacksonville, FL 32259

$551,999$254/sqftEst. $3,058/mo mortgageMLS# 2146859
3
Beds
2.5
Baths
2,170
Sq Ft
2023
Built
2
Garage
No
Pool

15 more homes for sale in Mill Creek Forest →Search Mill Creek Forest on the map

FEMA Zone XHOA $154/mo7,841 sqft lotSingle Family Residence1 story

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About this home

Mill Creek Forest

Beautiful move-in-ready home in the desirable gated community of Mill Creek Forest, featuring modern finishes, an open floor plan, and spacious living areas. Enjoy resort-style amenities, top-rated St. Johns County schools, low HOA fees, and no CDD fee, conveniently located near shopping and dining.

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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$3,058
Property taxesest. at asking price, St. Johns County$735
HOAbilled quarterly$154
Estimated total, before insurance$3,946/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,953/yr · $413/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$551,999
$110,400
Loan Term
Monthly Payment
$3,058
Principal & Interest: $3,058
Property taxes (est.): $735
Insurance (est.): $368
Estimated Total Monthly
$4,160
*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 2023)

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

Solar potential: ~1,649 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $581,100 in June 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$437,142$330,957—
2024$419,162$419,162—
2023$100,000$100,000—
2022$100,800$100,800—

2025 property taxes (current owner): $4,953/yr

Estimated taxes if purchased at asking price: ~$8,800/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.

History

Price & status history

  • May 23, 2026Listed$551,999

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 $239/sq ft; this home is listed at $254/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
120 Dalton Mill Drive, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA REALTYSep 2026$540,000$3003/21,801560.3
190 Lochnagar Mountain Drive, St. Johns, FL 32259Listed by ASHLEY HOMES REALTY LLCSep 2026$402,000$2573/21,564131.5
79 Lochnagar Mountain Drive, St. Johns, FL 32259Listed by RELAX REALTY LLCSep 2026$429,000$2274/31,88651.5
717 Shetland Drive, St. Johns, FL 32259Listed by WATSON REALTY CORPOct 2026$435,000$2393/21,819291.7
737 Shetland Drive, St. Johns, FL 32259Listed by KELLER WILLIAMS ST JOHNSSep 2026$400,000$2343/21,70981.7
121 Balmoral Castle Drive, St. Johns, FL 32259Listed by 1 REALTY CORPSep 2026$440,000$2294/21,923431.7

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$551,999
Price / Sq Ft$254
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,170
Acres0.18 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

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

Address131 Bridgeton Street, Jacksonville, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionMill Creek Forest
CityJacksonville
CountySt. Johns
StateFL
Zip Code32259
Lot Size7,840.8 sq ft
Parcel Number0013513020

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

AppliancesDishwasher, Dryer, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
# of Stories1
SecurityFire Alarm, Security Gate

Exterior

RoofShingle

Additional Information

Date ListedAugust 27, 2026
Days on Market127
HOA Fees$461 / Quarterly
HOA FrequencyQuarterly
Tax Amount$4,952.86
Tax Year2025
Listing TermsConventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SIMP REALTY GROUP LLC

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 Mill Creek Forest

Mill Creek Forest is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Mill Creek Forest homes for sale →

Your Local Realtor

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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