This home is in St. Augustine — a pool home in St. Johns County.
Sold·Closed Jun 2, 2026·309 days on market·Recent sales in SilverLeaf
5220 River Park Villas Drive
St. Augustine, FL 32092
About this home
St. Augustine
Welcome to The River Oaks Retreat, a private pool home tucked beneath a stunning canopy of mature oak trees on nearly an acre in a quiet cul-de-sac in St. Augustine. With no HOA, room for a boat or RV under the oversized 4-car carport, and a newly reduced price, this is the kind of property buyers remember because it offers something truly different. Inside, soaring ceilings, spacious gathering areas, a gas fireplace, and a large kitchen with island and pantry create a home that feels open, inviting, and easy to enjoy every day. The flexible layout includes two bedroom suites, making it a strong fit for multigenerational living, extended guests, a private office setup, or buyers who value separation and versatility in the floor plan. Outside, the 2020 saltwater pool, screened porch, fully fenced backyard, citrus trees, and powered storage shed create a backyard retreat built for relaxing, entertaining, and making the most of Florida living.
Next steps in SilverLeaf
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 (that applies to the reference bill above too).
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 1992)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,590 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:26 AM, sunset 7:00 PM.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $423,592 | $245,594 | — |
| 2024 | $412,126 | $237,965 | — |
| 2023 | $454,160 | $229,578 | — |
| 2022 | $402,176 | $221,435 | — |
| 2021 | $329,507 | $213,529 | — |
| 2020 | $245,334 | $176,305 | — |
2024 property taxes (current owner): $3,370/yr
Estimated taxes if purchased at asking price: ~$9,200/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 $229/sq ft; this home is listed at $290/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5205 River Park Villas Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS ST JOHNS | Aug 2026 | $450,000 | $231 | 3/2.5 | 1,944 | 69 | 0.1 |
| 100 Bartram Oaks Boulevard, St. Augustine, FL 32092Listed by RE/MAX SPECIALISTS | Sep 2026 | $226,000 | $119 | 3/2 | 1,904 | 147 | 0.4 |
| 32 Ren Way, St. Johns, FL 32259Listed by HERRON REAL ESTATE LLC | Sep 2026 | $435,000 | $215 | 4/3 | 2,027 | 168 | 1.1 |
| 94 Slip Cove, St. Johns, FL 32259Listed by JACKSONVILLE TBI REALTY, LLC | Oct 2026 | $679,000 | $292 | 4/3 | 2,324 | 37 | 1.2 |
| 36 Renew Court, St. Johns, FL 32259Listed by ROUND TABLE REALTY | Sep 2026 | $540,000 | $229 | 4/2.5 | 2,360 | 59 | 1.2 |
| 395 Brown Bear, Jacksonville, FL 32259Listed by PUBLIC SERVICES REALTY | Aug 2026 | $510,000 | $225 | 4/2 | 2,269 | 8 | 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: IHEART 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 2, 2026. 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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