This home is in Brook Forest, St. Augustine.

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Active

Active·Listed today·Brook Forest

162 Fern Valley Court

St. Augustine, FL 32092

$431,990$203/sqftEst. $2,196/moMLS# 2156105

Beds

Baths

2,125

Sq Ft

2026

Built

Garage

Pool

About this home

Brook Forest

This is the Liberty Elevation ''B'' at 2,125 sq ft, it is a 2 story home with 4 bedrooms and 2.5 baths. It is made up of a family room, cafe, galley style kitchen and a spacious loft area. This home is equipped with a gourmet kitchen, 42'' White Cabinets, White Quartz Counter tops, Stainless Steel Vent Hood with exterior venting, Microwave/Oven Combo and a Gas Cooktop. The Primary bedroom is in the first floor with en suite, double sinks and a large walk-in closet. The home has a natural gas tankless water heater for forever hot water. LVT in the main living areas. Give us a call today to see your new forever home!! Brook Forest is a gated community with Private Amenities for residents only in addition to all of the Amenities Silverleaf has to offer. Use Preferred Lender for special interest rates and closing costs - some conditions apply.

Cost to own

Mortgage calculator

Home Price

$431,990

Down Payment: 20%

$86,398

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,196

Principal & Interest: $2,196

Est. Taxes & Insurance: $549

Estimated Total Monthly

$2,745

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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$2,196

Property taxesest. at asking price, St. Johns County$575

HOAbilled monthly$250

Estimated total, before insurance$3,021/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): $1,077/yr

Estimated taxes if purchased at asking price: ~$6,900/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.

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

Price & status history

Jul 19, 2026Listed$431,990

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

Features

Price$431,990

Price / Sq Ft$203

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,125

Total Structure Area2,759 sq ft

Acres0.09 acres

Year Built2026

TypeResidential

Sub-TypeTownhouse

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighTocoi Creek

Community Information

Address162 Fern Valley Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionBrook Forest

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size3,920.4 sq ft

Parcel Number0103810190

ZoningPUD

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Jogging Path, Maintenance Grounds, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Microwave, Tankless Water Heater

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)