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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 Creekside, St. Augustine — a pool home in St. Johns County.

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Sold

Sold·Closed Jul 10, 2025·7 days on market·Recent sales in Creekside·Creekside

191 Silver Sage Lane

St. Augustine, FL 32095

$750,000sold priceListed at $780,000 · 96.2% of asking$259/sqftMLS# 2090445
4
Beds
3
Baths
2,901
Sq Ft
2019
Built
3
Garage
Yes
Pool

3 more homes for sale in Creekside →Search Creekside on the map

HOA $102/mo9,148 sqft lotSingle Family Residence2 stories

About this home

Creekside

Welcome to 191 Silver Sage Dr, a stunning 4-bedroom, 3-bath home with nearly 2,900 sqft and a 3-CAR GARAGE, set on a PRESERVE LOT in one of St. Johns County's sought-after communities. The FIRST FLOOR features the PRIMARY SUITE and guest bedroom, with two more bedrooms, a GAME/BONUS ROOM, and BALCONY upstairs—perfect for flexible living. QUAD SLIDERS open to a covered LANAI with LED lighting and a screened, HEATED SALT WATER POOL. The low-maintenance, FULLY FENCED yard includes a NATURAL GAS BBQ HOOK-UP and a charming St. Augustine replica lighthouse. Upgrades include plantation blinds (2020), LeafGuard gutters (2023), HVAC UV system (2024), tankless water heater (2019), Level 2 EV CHARGER, updated recessed LED lighting (2024), custom built-ins in the primary closet and laundry room, and designer light fixtures over the breakfast bar and dining table (2024). This home offers LUXURY, COMFORT, and MODERN convenience in a peaceful setting.

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$4,154
Property taxesest. at asking price, St. Johns County$998
HOAbilled quarterly$102
Estimated total, before insurance$5,254/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,125/yr · $594/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$750,000
$150,000
Loan Term
Monthly Payment
$4,154
Principal & Interest: $4,154
Property taxes (est.): $998
Insurance (est.): $500
Estimated Total Monthly
$5,652
*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 2019)

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

Solar potential: ~1,749 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 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $7,125/yr

Estimated taxes if purchased at asking price: ~$12,000/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, NEFMLS.

History

Price & status history

  • May 30, 2025Listed$780,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $233/sq ft; this home is listed at $269/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
180 Loosestrife Way, St. Augustine, FL 32095Listed by KELLER WILLIAMS ST JOHNSOct 2026$945,000$2555/43,7022040.4
65 Stargaze Lane, St. Augustine, FL 32095Listed by BLUEFIN REAL ESTATE GROUPSep 2026$525,000$2263/2.52,328250.6
129 Silver Creek Place, St. Augustine, FL 32095Listed by MARK SPAIN REAL ESTATEOct 2026$447,000$1803/2.52,477340.7
204 Silver Creek Place, St. Augustine, FL 32095Listed by EXP REALTY LLCSep 2026$530,000$2334/2.52,2701250.7
612 Picasso Avenue, Ponte Vedra, FL 32081Listed by DJ & LINDSEY REAL ESTATEOct 2026$420,000$1653/2.52,547100.8
368 Stargaze Lane, St. Augustine, FL 32095Listed by BLUEFIN REAL ESTATE GROUPAug 2026$540,000$2604/2.52,075500.8

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$780,000
Price / Sq Ft$269
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,901
Acres0.21 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Salt Water, Screen Enclosure
Is WaterfrontNo

Community Information

Address191 Silver Sage Lane, St. Augustine, FL 32095
Area304- 210 South
SubdivisionCreekside
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size9,147.6 sq ft
Parcel Number0237132740
ZoningResidential

Amenities

AmenitiesPool, Playground
UtilitiesElectricity Connected, Natural Gas Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Double Oven, Dryer, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryLower Level

Exterior

Exterior FeaturesBalcony
Patio / PorchFront Porch, Patio, Screened
FencingFenced, Back Yard, Full, Privacy
RoofShingle
ConstructionConcrete

Additional Information

Date ListedMay 30, 2025
Days on Market7
HOA Fees$305 / Quarterly
HOA FrequencyQuarterly
Tax Amount$7,125.07
Tax Year2024
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS JACKSONVILLE

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 Creekside

Creekside is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Creekside homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 10, 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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