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 Holly Forest, St. Augustine — a home near Tocoi Creek High School.

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Pending

Pending·59 days on market·Holly Forest

530 Pine Bluff Drive

St. Augustine, FL 32092

$349,860$175/sqftEst. $1,797/moMLS# 2150519

Beds

Baths

1,994

Sq Ft

2020

Built

Garage

Pool

About this home

Holly Forest

Beautiful 3/ 2.5 Plus flex space great to use as needed office or that extra room, with upgrades and two car garage with new floor coating. This spacious townhome offers a Gourmet Kitchen large pantry with quartz countertops, gas cooktop, new fixtures and finishing touches. You be pleased with the Florida friendly flooring. Tile in the downstairs and plank on the stairs and upstairs bedrooms. This home doesn't lack for storage. Screened lanai and paved patio great for entertaining friends and family . The high ceiling and recessed lighting offer lots of natural lighting. Master has dual sinks and walk closet. Paved Driveway give the home that extra parking for larger cars & trucks .Bring you pickiest buyers , Move in ready. This community has it's own amenities but also you can enjoy the larger Silverleaf ones as well. The popular Coral floor plan is a huge hit or come see a home run. Bali blinds, upgraded fixtures, fresh paint just waiting for new owners to move in. No CDD Fee

Cost to own

Mortgage calculator

Home Price

$349,860

Down Payment: 20%

$69,972

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,797

Principal & Interest: $1,797

Property taxes (est.): $466

Insurance (est.): $233

Estimated Total Monthly

$2,496

*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$1,797

Property taxesest. at asking price, St. Johns County$466

HOAbilled quarterly$163

Estimated total, before insurance$2,425/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,455/yr · $371/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	$305,967	$305,967	—
2024	$351,726	$330,426	—
2023	$331,539	$300,387	—
2022	$306,005	$273,079	—
2021	$248,254	$248,254	—

2025 property taxes (current owner): $4,455/yr

Estimated taxes if purchased at asking price: ~$5,600/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 2020)

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

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,775 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

Aug 2, 2026Pending$349,860
Jul 22, 2026Price change$349,860−$10,140
Jun 26, 2026Listed$360,000

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

Features

Price$349,860

Price / Sq Ft$175

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,994

Total Structure Area1,994 sq ft

Acres0.06 acres

Year Built2020

TypeResidential

Sub-TypeTownhouse

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

Community Information

Address530 Pine Bluff Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionHolly Forest Townhomes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size2,613.6 sq ft

Parcel Number0265521500

ZoningSingle Family

Amenities

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

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, HVAC

ParkingOther, Attached, Garage

ViewOther

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Gas Cooktop, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric, Heat Pump

CoolingElectric

FlooringLaminate, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

SecuritySmoke Detector(s)