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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine — a waterfront home in St. Johns County.

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Sold

Sold·Closed Oct 14, 2025·0 days on market·Recent sales in SilverLeaf

407 Brook Ridge Way

St. Augustine, FL 32092

$1,497,013sold priceListed at $1,458,253 · 102.7% of asking$427/sqftMLS# 2089849
4
Beds
4.5
Baths
3,508
Sq Ft
2025
Built
4
Garage
No
Pool
HOA $100/moWaterfrontSingle Family Residence1 storyNew construction

About this home

St. Augustine

The Monica floor plan is a masterclass in modern luxury, blending expansive spaces with thoughtful details that make daily living a pleasure. Spanning an impressive 3,488 square feet, this one-story home offers four bedrooms, four baths, and a four-car garage. Every corner of this home is designed for both comfort and sophistication, making it ideal for families who appreciate the finer things. Upon entry, the grand foyer with tray ceiling opens to the spacious dining room and an elegant study, perfect for a home office or a quiet reading nook. Moving deeper into the heart of the home, the layout seamlessly transitions into the main living areas, where a vaulted ceiling in the living room adds an airy, open feel. This living space flows naturally into the kitchen and nook, creating an inviting environment perfect for entertaining or relaxed family gatherings.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$8,292
Property taxesest. at asking price, St. Johns County$1,992
HOAbilled annually$100
Estimated total, before insurance$10,384/mo
  • • 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

$1,497,013
$299,403
Loan Term
Monthly Payment
$8,292
Principal & Interest: $8,292
Property taxes (est.): $1,992
Insurance (est.): $998
Estimated Total Monthly
$11,282
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This 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.

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 $315/sq ft; this home is listed at $416/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
523 Brook Ridge Way, St. Augustine, FL 32092Listed by ICI SELECT REALTY, INC.Sep 2026$980,000$3154/33,1111080
53 Glenbriar Court, St. Augustine, FL 32092Listed by KARSTEN REAL ESTATE TEAMSep 2026$932,000$3284/32,843610.2
141 Chestnut Oak Road, St. Augustine, FL 32092Listed by ICI SELECT REALTY, INC.Sep 2026$1,458,064$3674/4.53,96900.3
271 Courtney Chase Drive, St. Augustine, FL 32092Listed by ICI SELECT REALTY, INC.Oct 2026$785,600$2884/3.52,729570.4
94 Blue River Drive, St. Augustine, FL 32092Listed by RICK WOOD & ASSOCIATES INCSep 2026$859,900$2744/33,1401260.5
156 Rose Bud Lane, St. Augustine, FL 32092Listed by ICI SELECT REALTY, INC.Aug 2026$802,314$2484/3.53,23600.5

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

Price$1,458,253
Price / Sq Ft$416
Bedrooms4
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,508
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusClosed
# of Garages4
Has PoolNo
Is WaterfrontYes
Gated CommunityYes
New ConstructionYes

School Information

Community Information

Address407 Brook Ridge Way, St. Augustine, FL 32092
Area304- 210 South
SubdivisionSilverleaf
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Parcel Number0099830450

Amenities

AmenitiesPool, Dog Park, Gated, Park, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Available, Natural Gas Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage Door Opener
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Cooktop, Gas Water Heater, Tankless Water Heater
HeatingElectric
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Front Porch, Patio
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedMay 27, 2025
Days on Market0
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
HOA NameJohn's Island
Listing TermsCash, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: ICI SELECT 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 14, 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.

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