This home is in Mill Creek Forest, St. Johns.

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Active

Active·45 days on market·Mill Creek Forest

101 Elm Branch Road

St. Johns, FL 32259

$900,000$234/sqftEst. $4,575/moMLS# 2147129

Beds

Baths

3,848

Sq Ft

2024

Built

Garage

Pool

About this home

Mill Creek Forest

Stunning 5-bedroom masterpiece redefines upscale FL living. One of St. Johns County's most coveted communities, every detail of this home has been thoughtfully curated w/ luxury finishes and timeless elegance. High-end appointments set the tone, rich white oak flooring, designer lighting, and custom millwork display refined sophistication. Gourmet kitchen is a showstopper, outfitted with premium appliances, quartz countertops, custom cabinetry that reaches the ceiling, flowing seamlessly into the open-concept living/dining areas. Primary suite is a true retreat, featuring serene water views and a spa-inspired bathroom w/ oversized walk-in shower. Includes 4 additional bedrooms, a loft and a separate dedicated home office. Enjoy breathtaking water views, perfect for morning coffee/evening sunsets. Extras: generator, Tesla charger, electronic sprinkler, custom closets and drop zone, hanging garage shelves, upgraded lighting/fixtures, permanent ext holiday lights, water softener.

Cost to own

Mortgage calculator

Home Price

$900,000

Down Payment: 20%

$180,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,575

Principal & Interest: $4,575

Est. Taxes & Insurance: $1,144

Estimated Total Monthly

$5,718

*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 · 6.55% · 30yr$4,575

Property taxesest. at asking price, St. Johns County$1,198

HOAbilled monthly$146

Estimated total, before insurance$5,918/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.

Cost to own

Taxes & assessment

Last sold: $896,500 in January 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$733,035	$0	—
2024	$704,121	$694,121	—
2023	$100,000	$100,000	—

Estimated taxes if purchased at asking price: ~$14,400/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.

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

Price & status history

Jun 4, 2026Listed$900,000

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

Features

Price$900,000

Price / Sq Ft$234

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,848

Acres0.24 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address101 Elm Branch Road, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionMill Creek Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size10,454.4 sq ft

Parcel Number0013510940

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Not Available, Water Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, Thermostat, Windows

ParkingAttached, Garage, Garage Door Opener

ViewPond, Protected Preserve, Trees/Woods, Water

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)