Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$554,997

35 WHITE TREE Court, St. Augustine, FL 32092

Elm Ridge

Price
$554,997
Beds / Baths
5 / 3
Living area
2,220 sqft
Year built
2026
Type
Residential
Lot
Garage
2
HOA
$133/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
112

$250/sqft asking, vs a $207/sqft median across 2,593 closed sales in 32092 over the last 12 months — 21% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Up to $15k CC for any deal using our preferred lender. Rates as low as 4.99! You'll find plenty to love about the versatile Raleigh plan. Off the entryway this home will feature a guest suite with a full bath and walk-in closet. The center of the home boasts a large Gourmet kitchen with a convenient center island and walk-in pantry. The kitchen flows into an open-concept dining room and great room, which offers direct access to an inviting covered patio. From the great room, you can also make your way to three secondary bedrooms as well as the owner's suite. Double doors welcome you into the into the master suite featuring a private bath, walk-in closet, and Tray Ceilings. Multi slide patio doors at the great room. SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s). *Financing subject to change without notice.

What to check on this one

  • Verify exact flood zone designation and obtain elevation certificate if in AE/VE.
  • Confirm builder warranty coverage terms and transferability to next owner.
  • Review HOA $133/mo dues: what's included, any pending special assessments.
  • Inspect new construction final walkthrough—all finishes match specs before closing.
  • Confirm closing timeline and builder incentive ($15k CC) terms in writing.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$2,880/mo
Property tax (1.1% eff., St. Johns Co.)$509/mo
Homeowners insurance (est.)$324/mo
HOA$133/mo
All-in monthly (est.)$3,846/mo

Loan $443,998 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of AXEN REALTY LLC. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 6:46 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.