This home is in Holly Forest, St. Augustine.

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Active·Listed today·Holly Forest

502 Pine Bluff Drive

St. Augustine, FL 32092

$359,900$204/sqftEst. $1,835/moMLS# 2157501

Beds

Baths

1,760

Sq Ft

2020

Built

Garage

Pool

About this home

Holly Forest

Welcome to this beautifully maintained **3-bedroom, 2-bathroom townhome** offering **1,760 square feet** of comfortable living space in the heart of highly desirable St. Johns County. Whether you're looking for a primary residence, a second home, or an investment opportunity, this home offers the perfect blend of convenience, style, and low-maintenance living. Step inside to discover a spacious, open-concept floor plan designed for both everyday living and entertaining. The kitchen flows seamlessly into the dining and living areas, creating an inviting space to gather with family and friends. The generously sized bedrooms provide plenty of room to relax, while the primary suite offers a private retreat complete with an en-suite bath and ample closet space. Located just a short drive from Northeast Florida's beautiful beaches, this home also provides easy access to top-rated St. Johns County schools, shopping, dining, parks, and major highways.

Cost to own

Mortgage calculator

Home Price

$359,900

Down Payment: 20%

$71,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,835

Principal & Interest: $1,835

Property taxes (est.): $479

Insurance (est.): $240

Estimated Total Monthly

$2,554

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,835

Property taxesest. at asking price, St. Johns County$479

HOAbilled quarterly$163

Estimated total, before insurance$2,477/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,158/yr · $346/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,158/yr

Estimated taxes if purchased at asking price: ~$5,700/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