Elm Ridge
Homes for Sale in St. Augustine, FL
All 1,292 homes for sale in St. Augustine, FL · median $489,994 · 510 homes for sale in 32092 · St. Johns County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Elm Ridge in St. Augustine, FL has 7 homes for sale, asking from $503,997 to $559,997 (median $522,997). Homes listed or recently sold were built 2026–2026 with 9 new construction; 9 of 9 report an HOA (median $133/mo); none of the 9 geocoded homes sit in a FEMA special flood hazard zone (median elevation 29 ft).
The case for Elm Ridge is a published entry price of $449,950 paired with a large amenity center that includes both a community pool and a lap pool, in the SilverLeaf area of St. Augustine. Those are real numbers you can compare against resale right away.
The 323 homesites figure covers two communities, not Elm Ridge alone, so ask how many homes are planned here specifically. In writing, get the deposit and contract terms, HOA dues, CDD status, the delivery timeline for your homesite and any incentive conditions. Because our status date is older than most, confirm the price is still current.
Figures in this note are as of October 8, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Elm Ridge right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Elm Ridge is a Richmond American Homes single-family community in St. Augustine, St. Johns County, ZIP 32092, and it is in a first-phase sales stage with pricing from $449,950. Richmond American announced two new St. Augustine communities in the SilverLeaf area, totaling 323 homesites, to open summer 2026, and Elm Ridge is the one now selling. The amenity list is full: an amenity center, community pool, lap pool, fitness center, splash pad, sports courts, parks and playgrounds. The facts do not state a home count for Elm Ridge alone, lot sizes, HOA dues or a CDD answer, which is listed as unknown. Our status information dates from May 2025, so confirm the current inventory and pricing with the builder before relying on the starting figure of $449,950.
RECORDS sales records identify 8 homes in Elm Ridge that have changed hands since 2026, built between 2026 and 2026 (median 2026), with a median living area of about 2,220 sq ft and a typical 4-bedroom, 2.5-bath layout; 100% are single-family homes. Source: RECORDS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The market around Elm Ridge
In ZIP 32092 (St. Augustine), 2,007 homes closed in the last 12 months at a median of $449K ($212/sq ft), down 1.7% year over year, with a median 41 days on market. Right now 401 active and 213 pending listings put supply at about 9.6 months — a balanced market. See the live ZIP 32092 housing market and the St. Johns County market.
ZIP and county figures describe the wider market, not Elm Ridge specifically. Momentum Research analysis of MLS records.
Who Elm Ridge is best for.
Best for
- Buyers who want a pool, lap pool and fitness center close to home.
- Buyers whose budget begins at about $449,950.
- Buyers who will verify the current inventory directly with the builder.
Probably not for
- Buyers who want a confirmed CDD answer before they visit.
- Buyers who need a lower entry price.
- Buyers who prefer a very small community, as the builder is opening 323 homesites across two neighborhoods.
Elm Ridge: what we know so far
Elm Ridge is in its first phase of sales (now selling (first phase)). Builder inventory is only beginning to reach the MLS, so the numbers here come from the builder's announcements and public records, dated below, with live listings added as they appear. We re-verify status on every rebuild.
| Builders | Richmond American Homes |
|---|---|
| Community type | Single-family |
| ZIP | 32092 |
| County | St. Johns County, Florida |
| Status | now selling (first phase) |
| Pricing | From $449,950 |
| CDD | unknown |
| School district | St. Johns County School District |
| Timeline | Richmond American announced two new St. Augustine (SilverLeaf) communities totaling 323 homesites to open summer 2026; Elm Ridge is now selling |
| Amenities (per builder) | amenity center, community pool, fitness center, lap pool, parks and playgrounds, splash pad, sports courts |
| Builder page | jome.com |
| Last verified | May 13, 2025 |
| Sources | streetinsider.com (May 13, 2025) |
Get the Elm Ridge early list
Lot releases, first pricing and builder incentives, the day we hear. One email when something changes, nothing else.
Not ready to wait? See what is selling in St. Augustine right now →
The Elm Ridge buying strategy.
If we were buying in Elm Ridge today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Elm Ridge.
A published price in SilverLeaf
Elm Ridge is in St. Augustine in St. Johns County, ZIP 32092, and the builder is Richmond American Homes. It is one of two new SilverLeaf communities the builder announced, together totaling 323 homesites with a summer 2026 opening.
Pricing starts at $449,950 for single-family homes. Amenities are an amenity center, community pool, lap pool, fitness center, splash pad, sports courts, parks and playgrounds. The facts do not list floor plan sizes or lot sizes.
Confirm the HOA dues, CDD status, home count for Elm Ridge itself, and the delivery schedule. Ask Richmond American for the current price list and which homesites remain available.
The location and the amenities are priced into every listing in Elm Ridge. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We follow Richmond American's inventory and price changes at Elm Ridge and its sister SilverLeaf community, and we keep other St. Augustine and St. Johns County options lined up so the $449,950 starting price has context.
At contract stage we read the deposit terms, fee stack and delivery timeline with you. There is no charge to you, since the builder pays us.
Elm Ridge in 15 seconds.
What it really costs to own in Elm Ridge
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | At today's median asking price of $522,997, the first-year bill with homestead is about $6,500/yr (St. Johns County total millage 13.4686 mills, FY2025-26, St. Johns County Property Appraiser, FY2025-26 adopted budget). |
|---|---|
| HOA dues | Median $1,600/year (about $133/month) across 4 MLS listings (most billed annually; 2026-10-24). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Saint Johns County is $1,378/yr (977 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 9 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
Estimated carrying cost at the median asking price, before the mortgage: about $790/month (tax $542, HOA $133, insurance $115). An estimate from the sources above, not a quote.
Email me new listings in Elm Ridge
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Elm Ridge
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Elm Ridge will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $1,600/year (about $133/month) · median of 4 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $1,600 a year ($133 a month) — the median AssociationFee across 4 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Elm Ridge buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Elm Ridge sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Elm Ridge, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Elm Ridge home worth?
Get a no-obligation home value based on real comparable sales in Elm Ridge, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in St. Augustine →
Should you buy in Elm Ridge?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community record | public records & builder filings listing records: the community is present in the MLS feed; no closed sale is on record in our archive yet, so no price statistics are shown |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of public records & builder filings records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Recent Developments in Elm Ridge
Development, infrastructure, retail, and school activity affecting Elm Ridge, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- May 2025Builder Activity
Elm Ridge: Now selling (first phase) (Richmond American Homes)
Elm Ridge is a single-family community in St. Augustine, St. Johns County by Richmond American Homes.
What it may mean for the marketBuilder timelines and pricing change; confirm current status, release schedule and fees with the builder before relying on them.
Source: streetinsider.com
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Own a home here?
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the public records & builder filings member average and 8 days faster, and we’ll price yours against live local comps.
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Schools serving nearby communities
We do not have a confirmed school assignment for Elm Ridge. These are the public schools most often assigned to other communities in ZIP 32092; zones change and vary by address, so confirm with the district before you buy.
- Pacetti Bay Middle School · Middle · FLDOE grade A (assigned to 41 nearby communities)
- Tocoi Creek High School · High · FLDOE grade A (assigned to 41 nearby communities)
- Mill Creek Academy · K-8 · FLDOE grade A (assigned to 15 nearby communities)
- Wards Creek Elementary School · Elementary · FLDOE grade A (assigned to 9 nearby communities)
- Mill Creek Academy K-8 or Wards Creek Elementary · Elementary (assigned to 9 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Elm Ridge
Where is Elm Ridge?
Elm Ridge is a community in St. Augustine, St. Johns County, Florida, ZIP 32092.
Are there homes for sale in Elm Ridge right now?
No active listings inside Elm Ridge at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Elm Ridge have an HOA or CDD?
No HOA is on record for Elm Ridge in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
See how Elm Ridge fits the bigger picture — live prices, inventory, and Momentum Scores:
Recently sold in Elm Ridge St Augustine
- 35 White Tree Court · sold $554,255
- 23 White Tree Court · sold $647,997
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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St. Augustine guides & data
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Florida buyer guides
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- Florida property tax calculator
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- The 4-point inspection, explained
- Florida flood insurance calculator
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Old Forest Road (5 homes on record)
Nearby Communities
Explore more neighborhoods near Elm Ridge with Momentum Realty’s local guides.