This home is in Bridgewater, St. Augustine.

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Active

Active·53 days on market·Bridgewater

119 Talulla Trail

St. Augustine, FL 32095

$265,000$219/sqftEst. $1,351/moMLS# 2148418

Beds

Baths

1,210

Sq Ft

2022

Built

Garage

Pool

About this home

Bridgewater

Seller is offering 5k concession at closing toward Buyer's Closing Costs or Rate Buy Down. Conveniently located near shopping, dining, and everyday conveniences, you'll also appreciate being just a short drive from the area's beautiful beaches. Whether you're looking for a primary residence. a lock-and-leave second home, an investment opportunity, or the perfect place to downsize without compromise, this exceptional home checks all the boxes. Showing like a model and 3 years new, this townhome is move-in ready. Offering the perfect combination of comfort, convenience, and low-maintenance living, featuring two spacious primary suites each with its own private bath. The flexible floor plan is ideal for guests, roommates, seasonal living, or creating a dedicated home office space. The thoughtfully designed interior showcases modern finishes, abundant natural light, and meticulous attention to detail throughout.

Cost to own

Mortgage calculator

Home Price

$265,000

Down Payment: 20%

$53,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,351

Principal & Interest: $1,351

Property taxes (est.): $353

Insurance (est.): $177

Estimated Total Monthly

$1,880

*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$1,351

Property taxesest. at asking price, St. Johns County$353

HOAbilled monthly$61

Estimated total, before insurance$1,765/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,333/yr · $361/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).

Cost to own

Taxes & assessment

Last sold: $292,000 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$232,669	$176,947	—
2024	$238,737	$183,737	—
2023	$238,737	$183,737	—
2022	$37,520	$37,520	—

2025 property taxes (current owner): $4,333/yr

Estimated taxes if purchased at asking price: ~$4,200/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 2022)

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: ~1,502 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.

History

Price & status history

Jul 20, 2026Price change$265,000−$4,000
Jun 3, 2026Listed$269,000

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

Features

Price$265,000

Price / Sq Ft$219

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,210

Acres0.05 acres

Year Built2022

TypeResidential

Sub-TypeTownhouse

StyleOther

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address119 Talulla Trail, St. Augustine, FL 32095

Area304- 210 South

SubdivisionBridgewater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size2,178 sq ft

Parcel Number0261011480

ZoningResidential

Amenities

AmenitiesPool, Other, Fitness Center, Maintenance Grounds, Park, Playground

UtilitiesCable Available, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit