120 Dalton Mill Drive

St. Johns, FL 32259

$575,000$319/sqftEst. $2,923/moMLS# 2154221

Beds

Baths

1,801

Sq Ft

2024

Built

Garage

Pool

About this home

Mill Creek Forest

Beautifully upgraded 3-bedroom, 2-bath home in Mill Creek Forest, built in 2024 by Toll Brothers, showcases exceptional craftsmanship, elegant finishes, and thoughtful design throughout. Plantation shutters and luxury vinyl plank flooring enhance the home's sophisticated style. The gourmet kitchen features stunning quartz countertops, premium finishes, abundant cabinetry, and a spacious island that flows seamlessly into the open-concept living area, highlighted by tray ceilings. Triple sliding glass doors open to a spacious screened lanai overlooking a tranquil preserve framed by majestic pines, creating the perfect indoor-outdoor living experience. Extra windows throughout the home fill every space with abundant natural light, enhancing the bright, open feel. The private primary suite offers a peaceful retreat with tray ceilings, a custom-designed walk-in closet, and a spa-inspired bath featuring dual vanities and upscale finishes.

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,923

Principal & Interest: $2,923

Property taxes (est.): $765

Insurance (est.): $383

Estimated Total Monthly

$4,071

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,923

Property taxesest. at asking price, St. Johns County$765

HOAbilled quarterly$154

Estimated total, before insurance$3,841/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,699/yr

Estimated taxes if purchased at asking price: ~$9,200/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, NEFMLS.

History