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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Oakbrook, St. Augustine — a gated community home in St. Johns County.

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Active

Active·Listed today·Oakbrook

3340 Millwood Way

St. Augustine, FL 32086

$850,000$341/sqftEst. $4,538/moMLS# 2166630
4
Beds
3
Baths
2,495
Sq Ft
2026
Built
3
Garage
No
Pool
HOA $90/mo0.50 acresSingle Family Residence1 storyNew construction

About this home

Oakbrook

NEW CONSTRUCTION in Oakbrook - estimated completion March 2027! This beautifully designed single-story home at 3340 Millwood Way offers 4 bedrooms, 3 baths, 2,495 SF of living space and a spacious 3-car garage. The open-concept floor plan features 10' ceilings, a spacious gathering room, dining area and designer kitchen with timeless cabinetry, statement wood hood, farmhouse-style sink, designer backsplash, beautiful countertops and warm brass-toned fixtures. The private owner's suite features a walk-in closet and beautifully appointed bath with dual vanities, freestanding garden tub and frameless glass shower. Three additional bedrooms and two full baths provide plenty of room for family, guests or a home office. A covered lanai extends the living space outdoors. Designer-selected flooring, lighting, cabinetry, tile and finishes have been thoughtfully coordinated throughout. Floor Plan and Look Book available on file!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$4,538
Property taxesest. at asking price, St. Johns County$1,131
HOAbilled monthly$90
Estimated total, before insurance$5,759/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,791/yr · $149/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$850,000
$170,000
Loan Term
Monthly Payment
$4,538
Principal & Interest: $4,538
Property taxes (est.): $1,131
Insurance (est.): $567
Estimated Total Monthly
$6,236
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,638 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,791/yr

Estimated taxes if purchased at asking price: ~$13,600/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

Price & status history

  • Sep 25, 2026Listed$850,000

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

Features

Price$850,000
Price / Sq Ft$341
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,495
Acres0.50 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
New ConstructionYes

Community Information

Address3340 Millwood Way, St. Augustine, FL 32086
Area337-Old Moultrie Rd/Wildwood
SubdivisionOakbrook
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32086
Lot Size21,780 sq ft
Parcel Number1368051540

Amenities

AmenitiesPool, Clubhouse, Gated
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s)
AppliancesDishwasher, Electric Range, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne

Exterior

RoofShingle
ConstructionVinyl Siding

Additional Information

Date ListedSeptember 25, 2026
Days on Market0
HOA Fees$90 / Monthly
HOA FrequencyMonthly
Tax Amount$1,791.33
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC. · robin9043471963@gmail.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Oakbrook

Oakbrook is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.

View all Oakbrook homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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