New Construction Homes for Sale in St Johns County, FL

How to Narrow Your St. Johns County New Construction Home Search

Two new homes may have similar floor plans but different lots, access roads, construction schedules and ongoing costs. Those differences matter when you compare what each builder is offering in St. Johns County.

Compare community access and amenities

SilverLeaf's community lies between County Road 210 and State Road 16, along St. Johns Parkway west of Interstate 95, according to its official location map. For a particular homesite, look at which community entrance you would use and how it connects to the places you regularly go.

In Nocatee, the Town Center directory identifies a concentration of shops, restaurants and neighborhood services. For Shearwater, the official website lists nature trails, a kayak launch, fitness facilities and pools. Compare the route from the particular home to the facilities you would use, together with the access rules and charges for that homesite.

Check permits, the builder's timeline and what's included

For county-issued construction permits, St. Johns County Building Permit Status lists inspection history, holds, releases and certificate-of-occupancy status, which shows whether occupancy approval has been recorded. The record gives you specific inspections and occupancy entries to discuss with the builder; it does not promise a delivery date. Confirm the permitting office serving the address. Ask the builder what work remains and how that fits the expected completion terms in the written agreement.

The written offer should also identify included features, chosen upgrades and any extra charge for the homesite. The Home904 inspection and warranty guide explains the builder walkthrough, independent inspection and written punch list. For financing, the Consumer Financial Protection Bureau's Loan Estimate Explainer helps compare the payment and cash to close.

Estimate taxes, insurance and CDD fees

The St. Johns County Property Appraiser's Tax Estimator opens from the home's property record. Replace the prefilled market value with the expected purchase price and select applicable exemptions. The county's estimate includes property-value taxes and other assessments; ask the lender how the completed home is reflected if the earlier bill covered land alone.

The St. Johns County Flood Zone Viewer maps the homesite's flood zone. A new home's construction date does not answer the flood-risk question; use its address for a current insurance quote.

For Nocatee's Tolomato Community Development District, the annual assessment has two parts: repayment of infrastructure debt and operations and maintenance, which funds continuing upkeep. Tolomato publishes separate St. Johns and Duval lookups, so match the county as well as the homesite. As of October 2026, Tolomato warns that the FY2027 lookup omits properties platted after January 2026 and debt payoffs after August 1, 2026. Its published payoff figures are approximate. The district directs owners needing an exact payoff to request an estoppel letter—a current written statement from the district.

A CDD is a local government, separate from a homeowners association (HOA). Tolomato's assessment appears on the county property-tax bill. If the lender collects that bill through mortgage escrow, the CDD may already be included in the monthly estimate. The Home904 CDD guide explains how to compare debt, continuing upkeep and HOA dues without counting a charge twice. Use the district serving the exact homesite; Tolomato is one local example.

Property research tools reviewed October 2026. Use current information for the specific address.