This home is in Cherry Elm Townhomes, St. Augustine — a waterfront home in St. Johns County.
No photos available
This listing has no photos yet
No photos available
This listing has no photos yet
Sold·Closed Nov 18, 2024·104 days on market·Recent sales in Cherry Elm Townhomes·Cherry Elm Townhomes
640 Cherry Elm Drive 151
St. Augustine, FL 32092
19 more homes for sale in Cherry Elm Townhomes →Search Cherry Elm Townhomes on the map
About this home
Cherry Elm Townhomes
Move-In Ready Townhome with 2-Car Garages! The Osprey Floor Plan features 3 Bedrooms, with the Master Bedroom on the 1st Floor, 2.5 Baths plus a Large Loft and a 2-Car Garage. Home features include 42'' White Cabinets, Quartz Countertops in the Kitchen and Baths, a Gas Cooktop, Laminate Plank Flooring in Main Areas, Upgraded Tile Flooring in Baths, Whole House Blinds, and much more. A Builder Warranty is included, and you can enjoy special financing incentives from Dream Finders Homes. Welcome to Cherry Elm, a haven of relaxation and entertainment, offering unparalleled amenities for an active and vibrant lifestyle. Sports enthusiasts can enjoy the Tennis and Pickleball Courts, while furry friends can stretch their legs and socialize at the dedicated Dog Areas and Bark Park. Residents can take a dip in the sparkling Swimming Pool, host gatherings at the Clubhouse, or explore the scenic Walking Trails.
Next steps in Cherry Elm Townhomes
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,774 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
Last sold: $548,600 in November 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $314,463 | $314,463 | — |
| 2024 | $68,000 | $68,000 | — |
| 2023 | $58,000 | $58,000 | — |
2023 property taxes (current owner): $736/yr
Estimated taxes if purchased at asking price: ~$5,600/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $187/sq ft; this home is listed at $212/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 346 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLA | Sep 2026 | $338,990 | $176 | 3/2.5 | 1,927 | 135 | 0.2 |
| 402 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLA | Sep 2026 | $338,990 | $176 | 3/2.5 | 1,927 | 158 | 0.2 |
| 414 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLA | Sep 2026 | $374,990 | $197 | 3/2.5 | 1,899 | 55 | 0.2 |
| 398 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLA | Sep 2026 | $359,990 | $187 | 3/2.5 | 1,927 | 126 | 0.2 |
| 378 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLA | Sep 2026 | $367,990 | $194 | 3/2.5 | 1,899 | 95 | 0.2 |
| 390 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLA | Aug 2026 | $346,000 | $180 | 3/2.5 | 1,927 | 46 | 0.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Cherry Elm Townhomes
Cherry Elm Townhomes is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.
View all Cherry Elm Townhomes homes for sale →Keep looking
More homes in Cherry Elm Townhomes
Pending422 Cherry Elm DriveSt. Augustine, FL 32259
3 bd · 2.5 ba · 1,899 sq ft
$379,990Est. $2,022/moWhat's Special: End Unit | Larger Lot | Covered Lanai | Premium Location. New Construction - September Completion!…
Listing Office: taylor morrison realty of fla
For Sale232 Silver Myrtle CourtSt. Augustine, FL 32092
3 bd · 2.5 ba · 1,933 sq ft
$364,990Est. $1,943/moWhat's Special: Popular Plan | Oversized Pantry | Loft | 2nd Floor Laundry Room. New Construction - December…
Listing Office: taylor morrison realty of fla
For Sale236 Silver Myrtle CourtSt. Augustine, FL 32092
3 bd · 2.5 ba · 1,933 sq ft
$363,990Est. $1,937/moWhat's Special: Appliances Included | Oversized Pantry | Large Kitchen Island. New Construction - December Completion!…
Listing Office: taylor morrison realty of fla
For Sale220 Silver Myrtle CourtSt. Augustine, FL 32092
3 bd · 2.5 ba · 1,899 sq ft
$383,990Est. $2,044/moWhat's Special: End Unit | 2nd Floor Laundry Room | Loft. New Construction - January Completion! Built by America's…
Listing Office: taylor morrison realty of fla
Keep looking
Similar homes in St. Augustine
Explore the area
More in Cherry Elm Townhomes
Cherry Elm Townhomes guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Nov 18, 2024. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines