This home is in Mill Creek Forest, St. Johns.

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Active

221 Mason Branch Drive, St. Johns, FL 32259

$659,000

MLS# 2154182

Bedrooms

Bathrooms

2,457

Sq Ft

2026

Year Built

About This Home — 221 Mason Branch Drive

Don't miss your opportunity to own the final Ruth floor plan available in Mill Creek Forest, a no CDD community offering exceptional value and luxury living. Thoughtfully designed and perfectly situated near a cul-de-sac on a private tree-lined homesite, this exceptional single-story home features a spacious three-car garage, an expansive great room highlighted by a dramatic tray ceiling, and a stunning 12-foot sliding glass door that fills the living space with natural light and seamlessly connects to the outdoor living area. With its sought-after Craftsman elevation, private preserve views, and one-of-a-kind availability, this is your last chance to own one of Mill Creek Forest's most popular floor plans.

Features

Price$659,000

Price / Sq Ft$268

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,457

Acres0.17 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address221 Mason Branch Drive, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionMill Creek Forest

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size7,405.2 sq ft

Parcel Number0013511960

Amenities

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Microwave, Tankless Water Heater

HeatingElectric, Zoned

CoolingElectric, Zoned

# of Stories1

Additional Information

Date ListedJuly 7, 2026

Days on Market0

HOA Fees$154 / Monthly

HOA FrequencyMonthly

Tax Amount$1,144.83

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

About Mill Creek Forest

Mill Creek Forest is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Mill Creek Forest homes for sale →

Mortgage Calculator

Home Price

$659,000

Down Payment: 20%

$131,800

Interest Rate: 7.00%

Loan Term

Monthly Payment

$3,507

Principal & Interest: $3,507

Est. Taxes & Insurance: $877

Estimated Total Monthly

$4,384

*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

True Monthly Cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$3,507

Property taxesest. at asking price, St. Johns County$878

HOAbilled monthly$154

Estimated total, before insurance$4,540/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Taxes & Assessment

2025 property taxes (current owner): $1,145/yr

Estimated taxes if purchased at asking price: ~$10,500/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 1,859 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, NEFMLS.

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: material not specified — 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.