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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$515,990

428 FOAL RIDGE Drive, St. Augustine, FL 32092

Terra Pines South

Price
$515,990
Beds / Baths
4 / 3
Living area
2,550 sqft
Year built
2026
Type
Residential
Lot
0.22 ac
Garage
3
HOA
$65/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
44
Elementary
Mill Creek Academy
Middle
Mill Creek Academy
High school
St. Augustine

Ready in July! NO CDD. Near St. Augustine Beach. This Sandalwood oversized homesite backing to private wooded preserve is a beautifully crafted one-story home spans 2,551 sq. ft. and features 4 bed, 3 full bath, and a private enclosed study, perfect for today's lifestyle needs. The open-concept design highlights an upgraded gourmet kitchen ideal for entertaining. Unwind in the spacious Owner's Suite featuring tray ceiling, spacious walk-in closet, and large walk-in shower. This home offers comfort, convenience, and a premium settings. WIFI-enabled garage opener and Ecobee thermostat. PRICES SUBJECT TO CHANGE. **Closing cost assistance is available with use of Builder's affiliated lender**. All uploaded photos are stock photos of this floor plan. Actual home may differ from photos.

What to check on this one

  • Confirm final price and closing-cost assistance terms with builder before contract.
  • Verify flood zone designation and obtain elevation certificate if in AE/VE.
  • Review HOA CC&Rs for rental restrictions and required approvals.
  • Confirm July completion date and builder warranty coverage details.
  • Request actual home photos once framing/drywall phase complete.

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$2,677/mo
Property tax (1.1% eff., St. Johns Co.)$473/mo
Homeowners insurance (est.)$301/mo
HOA$65/mo
All-in monthly (est.)$3,516/mo

Loan $412,792 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 MALTBIE REALTY GROUP. Data via realMLS (Northeast Florida MLS), updated Aug 13, 2026, 2:40 PM.

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.