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 St. Augustine — a home near St. Augustine High School.

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Pending

Pending·31 days on market

578 Foal Ridge Drive

St. Augustine, FL 32092

$550,295$216/sqftEst. $2,832/moMLS# 2153164

Beds

Baths

2,550

Sq Ft

2026

Built

Garage

Pool

About this home

St. Augustine

Quick Move-in! New construction without the wait. One of the last opportunities to own new in Terra Pines. NO CDD. Near St. Augustine Beach. This Sandalwood oversized homesite backing to private wooded preserve is a beautifully crafted one-story home spans 2,551 sq. ft. and features 4 bed, 3 full bath, and a private enclosed study, perfect for today's lifestyle needs. The open-concept design highlights an upgraded gourmet kitchen ideal for entertaining. Unwind in the spacious Owner's Suite featuring tray ceiling, spacious walk-in closet, and large walk-in shower. This home offers comfort, convenience, and a premium settings. WIFI-enabled garage opener and Ecobee thermostat. PRICES SUBJECT TO CHANGE. **Closing cost assistance is available with use of Builder's affiliated lender**. All uploaded photos are stock photos of this floor plan. Actual home may differ from photos.

Cost to own

Mortgage calculator

Home Price

$550,295

Down Payment: 20%

$110,059

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,832

Principal & Interest: $2,832

Property taxes (est.): $732

Insurance (est.): $367

Estimated Total Monthly

$3,931

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,832

Property taxesest. at asking price, St. Johns County$732

HOAbilled quarterly$65

Estimated total, before insurance$3,629/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.

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 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