This home is in Brook Forest, St. Augustine.

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Pending

Pending·45 days on market·Brook Forest

70 Water Elm Walk

St. Augustine, FL 32092

$369,990$254/sqftEst. $1,886/moMLS# 2150068

Beds

Baths

1,454

Sq Ft

2026

Built

Garage

Pool

About this home

Brook Forest

* Sample Photos * The Madison Villa is a beautifully designed single-story home that offers a perfect blend of style and functionality. Featuring 3 spacious bedrooms, this villa ensures comfortable living for families or guests. The owner's suite boasts a luxurious walk-in closet, providing ample storage and a touch of elegance. The heart of the home is a spacious kitchen, ideal for both casual meals and entertaining. With a 2-car garage, there's plenty of space for parking and storage, making The Madison Villa a perfect choice for those seeking both comfort and convenience in their home.

Cost to own

Mortgage calculator

Home Price

$369,990

Down Payment: 20%

$73,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,886

Principal & Interest: $1,886

Property taxes (est.): $492

Insurance (est.): $247

Estimated Total Monthly

$2,625

*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$1,886

Property taxesest. at asking price, St. Johns County$492

HOAbilled monthly$250

Estimated total, before insurance$2,629/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: ~$5,900/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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

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.

Features

Price$369,990

Price / Sq Ft$254

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,454

Total Structure Area2,100 sq ft

Acres0.08 acres

Year Built2026

TypeResidential

Sub-TypeTownhouse

StyleVilla

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address70 Water Elm Walk, St. Augustine, FL 32092

Area304- 210 South

SubdivisionBrook Forest

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size3,484.8 sq ft

Parcel Number0103810430

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)