Mill Creek Forest Homes for Sale in Saint Johns, FL

Mill Creek Forest's pitch is luxury and a no-CDD fee structure in a top St. Johns school zone. As of 2026, the Meadows collection has started from the high $440,000s and the Magnolia collection from the high $530,000s, with larger, fully optioned homes and premium lots reaching past $1 million. Quick-move-in homes have recently ranged from around the low $500,000s into the $1.1 million range depending on size and collection.

The no-CDD structure is the headline. In a typical St. Johns master plan, a CDD assessment can add a few thousand dollars a year to the tax bill for decades. Mill Creek Forest does not carry one, so for a similarly priced home the all-in monthly is meaningfully lighter, which matters more than the sticker price for many buyers. Beyond that, lakeside and preserve lots carry premiums, Toll's design-studio upgrades move the number quickly (that is the appeal of a Toll home), and builder incentives are active, so it pays to ask which apply to which homes.

For context, Momentum tracks the wider Jacksonville metro at a 97.98 percent sold-to-list ratio and 64 days on market for our agents, against a RealMLS market average closer to 96.73 percent and 72 days, year to date. In a luxury, no-CDD community like Mill Creek Forest, the lot, the collection, the upgrade choices, the incentives, and your representation matter more than resale comps, which is where an agent who knows the community pays off.

Mill Creek Forest is built entirely by Toll Brothers, with homes organized into two collections plus quick-move-in and to-be-built options. The decision starts with size and budget, Meadows or Magnolia, and the homesite.

The Meadows collection is the more accessible tier, with spacious one- and two-story single-family homes from about 1,918 to 2,491 square feet, open-concept living, first-floor primary bedroom options, and two-car garages, in Craftsman, Coastal, and Farmhouse styles. Pricing has started from the high $440,000s. Several Meadows homesites offer preserve views. It suits buyers who want a Toll Brothers home and the gated, no-CDD setting at the community's lower price point.

The Magnolia collection is the larger tier, with homes from about 2,457 to more than 3,440 square feet, three-car-garage options, and first-floor primary suite options, also in Craftsman, Coastal, and Farmhouse exteriors. Pricing has started from the high $530,000s, with larger, fully optioned homes and premium lots reaching past $1 million. Magnolia suits move-up buyers and larger households who want more space and the three-car garage.

Across roughly 20 floor plans (about 1,788 to 3,753 square feet), Mill Creek Forest offers both quick-move-in homes (already under construction or complete, faster to close, recent examples have ranged from the low $500,000s to over $1.1 million depending on size and collection) and to-be-built homes personalized through the Toll Brothers Northeast Florida Regional Design Studio (more customization, a longer timeline). Comparing the two, and the incentives on each, is worthwhile.

Mill Creek Forest pairs a gated, wooded setting with a brand-new resort-style amenity package, and it does so without a CDD.

Residents enjoy brand-new amenities including a sparkling swimming pool, a state-of-the-art fitness center, a yoga room, a clubhouse, a playground, tennis and pickleball courts, and indoor and outdoor gathering spaces. For a community of its size, that is a deep amenity package, and notably it is funded without a CDD, through the HOA and the developer, rather than a tax-bill assessment.

Mill Creek Forest is gated, set on private, wooded homesites, with several homes backing to lakes or preserve, giving residents privacy and natural views. The combination of a gated entry, mature tree cover, and water and preserve lots gives the community a quieter, more private feel than a typical open subdivision, which is part of the Toll Brothers appeal.

The community sits near the new 9B extension, which has improved access to downtown Jacksonville, the major highways, the Bartram and Durbin retail corridors, and the Atlantic beaches. That connectivity, combined with the top schools and the gated, no-CDD setting, gives Mill Creek Forest a practical, livable balance for northwest St. Johns buyers.

Mill Creek Forest is close to some of the metro's strongest retail. The Bartram and Durbin Pavilion corridors, about 10 to 15 minutes away, offer extensive shopping, dining, grocery stores, and services, including big-box retail, restaurants, and entertainment, covering most everyday and destination needs.

Farther afield, the St. Johns Town Center (about 20 to 30 minutes) provides premier shopping and dining on the Southside, and historic St. Augustine (about 30 to 35 minutes) adds its own character. With the Bartram and Durbin corridors close and the Town Center reachable, Mill Creek Forest residents have a strong, convenient shopping and dining picture, anchored by the rapidly growing retail of northwest St. Johns.

A few things that consistently come up once buyers get serious about a gated, no-CDD Toll community like Mill Creek Forest.

The absence of a CDD is a real, recurring savings, and it is unusual for a gated St. Johns community with this amenity level. The flip side is that the HOA carries more of the load for the gate and amenities, so confirm the HOA dues and what they cover. Even so, the combined HOA-without-CDD cost typically lands below a comparable community's HOA-plus-CDD.

The two collections are quite different in size and price, Meadows from the high $440,000s, Magnolia from the high $530,000s with three-car garages and homes past $1 million when optioned. Decide which fits your budget and space needs first; it shapes the lot, the plan, and the price. Your agent can put the two side by side.

The appeal of a Toll Brothers home is the customization through the Northeast Florida Regional Design Studio, and that is where the base price can climb fast. Go in knowing which upgrades add lasting value and resale appeal versus which are easy to skip, so you spend where it counts.

Lakeside and preserve homesites carry premiums and tend to hold value, so if a view matters, build your search around the right lot early. In a gated, wooded community, the premium lots go first, and your agent can help you weigh the premium against resale upside.

Price the all-in monthly first. Mill Creek Forest carries both an HOA and a CDD assessment on the St. Johns County tax bill, so add both to the mortgage and pull the CDD balance and remaining term for the parcel.

Compare new construction to resale carefully, weighing builder incentives, lot premiums, and timelines against a move-in-ready resale in a delivered phase.

Confirm the lot for preserve, pond, or interior position, and what is built or planned around it as the community grows.

Confirm school assignment by address, since St. Johns zoning shifts as new schools open, and verify the CR 2209 and I-95 commute.

Mill Creek Forest competes with the other newer master plans of northwest St. Johns near the CR 2209 corridor. Against Aberdeen and Durbin Crossing, it offers brand-new construction and a wooded preserve setting, while those established communities counter with mature trees and delivered amenities.

Against the larger Nocatee and SilverLeaf plans, Mill Creek Forest trades a deep, sprawling amenity package for a smaller, newer, preserve-oriented community in the top-rated St. Johns district. The honest shorthand: pick Mill Creek Forest for new construction and a wooded setting in the district; pick a larger plan for the deepest amenities.

Mill Creek Forest fits buyers who want new construction with a resort amenity center and top-rated St. Johns schools in a wooded preserve setting, anyone who values quick access to the CR 2209 corridor, Durbin Park, and I-95, and buyers comfortable trading a CDD assessment for a newer, lower-maintenance home.

Mill Creek Forest is a weaker fit buyers who want no CDD and the lowest carrying cost, those who prefer mature, established streets, or anyone seeking golf or a large town center.