Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Brook Forest, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·1 day on market·Brook Forest

1381 Brook Forest Drive

St. Augustine, FL 32092

$394,990$272/sqftEst. $2,029/moMLS# 2149454

Beds

Baths

1,454

Sq Ft

2026

Built

Garage

Pool

About this home

Brook Forest

* Sample Photos The Madison B villa offers the perfect blend of convenient main-level living. This beautifully designed home provides three spacious bedrooms on the main floor, ensuring comfort and privacy. One is a Study. The open-concept living area flows seamlessly into a large, inviting kitchen, perfect for everyday meals or entertaining guests. Very well-appointed villa with designer upgrades throughout, such as Premium Kitchen and Bathroom cabinets, Gourmet Kitchen with Island, Stainless Steel Hood vent, Microwave / Wall Oven Combo with Gas Cooktop, premium flooring in the main living areas, quartz countertop & vanity tops just to name a few! Villa on Preserve Lot...Brook Forest is the A gated community with Private Amenities for residents only in addition to all of the Amenities Silverleaf has to offer. Use Preferred lender for special interest rates and closing costs - some conditions do apply. November Estimated Completion.

Cost to own

Mortgage calculator

Home Price

$394,990

Down Payment: 20%

$78,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,029

Principal & Interest: $2,029

Property taxes (est.): $526

Insurance (est.): $263

Estimated Total Monthly

$2,817

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,029

Property taxesest. at asking price, St. Johns County$526

HOAbilled monthly$250

Estimated total, before insurance$2,804/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,077/yr · $90/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

Year	Market value	Taxable value	Change
2025	$80,000	$80,000	—

2025 property taxes (current owner): $1,077/yr

Estimated taxes if purchased at asking price: ~$6,300/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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

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

As of August 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

Aug 20, 2026Price change$394,990+$8,000
Aug 20, 2026Active$386,990

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

Features

Price$394,990

Price / Sq Ft$272

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,454

Total Structure Area2,100 sq ft

Acres0.11 acres

Year Built2026

TypeResidential

Sub-TypeTownhouse

StyleVilla

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address1381 Brook Forest Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionBrook Forest

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size4,791.6 sq ft

Parcel Number0103816270

ZoningPUD

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Jogging Path, Maintenance Grounds, Playground, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Microwave, Tankless Water Heater

HeatingCentral

CoolingCentral Air

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)