This home is in Elm Ridge, St. Augustine — a new construction home in St. Johns County.
Active·45 days on market·Elm Ridge
284 Old Forest Road
St. Augustine, FL 32092
About this home
Elm Ridge
Up to $15k CC for any deal using our preferred lender. Rates as low as 4.99! The heart of the Lightner floor plan is a first-floor open layout with a great room, dining nook and large kitchen, complete with a center island. A powder room is adjacent. The master suite is on the second floor, and showcases a walk-in closet and large private bath that can be personalized with deluxe features or a walk-in shower. You'll also find two bedrooms, a bath and a laundry, as well as a loft space that can be optioned as a fourth bedroom. A 2-car garage is also included. Additional options include a gourmet kitchen and a covered patio! SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s). *Financing subject to change without notice.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
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 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 homeAs 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 27, 2026Price change$541,734+$17,000
- Jul 23, 2026Price change$524,734+$17,737
- Jun 22, 2026Listed$506,997
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Elm Ridge
Elm Ridge is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Elm Ridge homes for sale →Listing Courtesy of: AXEN REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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