This home is in Bridgewater, St. Augustine.

1 / 9

Active

Active·53 days on market·Bridgewater

136 Pomona Way

St. Augustine, FL 32095

$332,000$221/sqftEst. $1,693/moMLS# 2148396

Beds

Baths

1,502

Sq Ft

2023

Built

Garage

Pool

About this home

Bridgewater

Welcome to this beautiful and nearly new townhome in the highly desirable Bridgewater community of St. Johns County! Built in 2023, this stylish residence offers modern coastal-inspired architecture, an open-concept floor plan, spacious living areas, and low-maintenance living in one of Northeast Florida's fastest-growing locations.Enjoy the convenience of having the community's premier amenities just a short walk from your front door, including the resort-style pool, fitness center, scenic lake, walking paths, clubhouse, and recreational areas. Whether you're looking for an active lifestyle or a peaceful retreat, this home offers the perfect balance of both.The bright and inviting interior features spacious bedrooms, contemporary finishes, ample natural light, and a private garage. Located minutes from top-rated St. Johns County schools, shopping, dining, entertainment, and easy access to I-95, Jacksonville, and historic St. Augustine.Live where every day feels like a vacation.

Cost to own

Mortgage calculator

Home Price

$332,000

Down Payment: 20%

$66,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,693

Principal & Interest: $1,693

Property taxes (est.): $442

Insurance (est.): $221

Estimated Total Monthly

$2,356

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,693

Property taxesest. at asking price, St. Johns County$442

HOAbilled annually$62

Estimated total, before insurance$2,197/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.

Cost to own

Taxes & assessment

Last sold: $301,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$264,638	$213,916	—
2024	$268,907	$218,907	—
2023	$70,000	$70,000	—
2022	$18,760	$18,760	—

property taxes (current owner): $4,585/yr

Estimated taxes if purchased at asking price: ~$5,300/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: material not specified — year not disclosed (home built 2023)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,001 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