This home is in St. Augustine — a pool home in St. Johns County.
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Sold·Closed Mar 17, 2025·17 days on market·Recent sales in St. Augustine
66 Silver Reef Lane
St. Augustine, FL 32095
About this home
St. Augustine
Stop Scrolling! You've Found Your Dream Home! Welcome to this unicorn of a property! A 5-bedroom + office, pool home with 4 full bathrooms & a 3-car garage located east of I-95 in St. Johns County! Less than 5 years old and packed with upgrades, this home has everything you've been looking for and more! Relax and enjoy the amazing sunsets in your fully screened, saltwater heated pool, surrounded by gorgeous travertine pavers and a gas fire pit! The covered lanai (plumbed for an outdoor kitchen) and a fully fenced backyard that overlooks a peaceful pond-to-preserve view, it is the perfect spot for entertaining or unwinding after a long day! Interior Highlights include the Open Floor Plan Great Room with an electric fireplace and built-in shelving wall. A Gourmet Kitchen featuring Quartz countertops with a central island, 42'' cabinets, and Professional Series Stainless Steel appliances including a 5-burner gas range and Double ovens. The Primary Suite is located downstairs offering a
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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 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,764 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $638,275 | $455,551 | — |
| 2024 | $654,365 | $441,864 | — |
| 2023 | $554,904 | $427,392 | — |
| 2022 | $542,184 | $413,342 | — |
| 2021 | $385,742 | $330,742 | — |
| 2020 | $70,000 | $49,500 | — |
Estimated taxes if purchased at asking price: ~$12,100/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 $226/sq ft; this home is listed at $254/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 129 Silver Creek Place, St. Augustine, FL 32095Listed by MARK SPAIN REAL ESTATE | Oct 2026 | $447,000 | $180 | 3/2.5 | 2,477 | 34 | 0.4 |
| 204 Silver Creek Place, St. Augustine, FL 32095Listed by EXP REALTY LLC | Sep 2026 | $530,000 | $233 | 4/2.5 | 2,270 | 125 | 0.4 |
| 612 Picasso Avenue, Ponte Vedra, FL 32081Listed by DJ & LINDSEY REAL ESTATE | Oct 2026 | $420,000 | $165 | 3/2.5 | 2,547 | 10 | 0.6 |
| 180 Loosestrife Way, St. Augustine, FL 32095Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $945,000 | $255 | 5/4 | 3,702 | 204 | 0.6 |
| 65 Stargaze Lane, St. Augustine, FL 32095Listed by BLUEFIN REAL ESTATE GROUP | Sep 2026 | $525,000 | $226 | 3/2.5 | 2,328 | 25 | 1 |
| 53 Lumen Court, St. Augustine, FL 32095Listed by COLDWELL BANKER ANABASIS REALTY | Oct 2026 | $750,000 | $226 | 4/4 | 3,315 | 68 | 1.2 |
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: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Mar 17, 2025. 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
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