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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

$440,000Sold4 bd · 3 ba · 2,387 sq ft

Sold·Closed Mar 10, 2026·157 days on market·Recent sales in SilverLeaf

374 Elm Creek Drive

St. Augustine, FL 32092

$440,000sold priceListed at $445,000 · 98.9% of asking$184/sqftMLS# 2101519
4
Beds
3
Baths
2,387
Sq Ft
2022
Built
2
Garage
No
Pool
HOA $104/mo10,890 sqft lotWaterfrontSingle Family Residence2 stories

About this home

St. Augustine

UP TO 1% CREDIT OFFERED TOWARD CLOSING COSTS OR A RATE BUY DOWN WHEN USING OUR PREFERRED LENDER! Enjoy the oversized lot and gorgeous water view setting in this nearly new Elm Creek home in Silverleaf, built by Richmond American. Downstairs features a large open concept Kitchen and Living room, with access to your covered lanai, grilling area and fenced backyard. This ideal floorplan includes a full guest bath on the main level, along with the 4th bedroom. Upstairs has a luxurious primary suite, with a large closet, double vanities and water closet. Also on this floor are 2 secondary bedrooms, laundry (yes, upstairs!) and a nice Family room. Amenities include pretty much everything across 11,000 acres from swimming to pickleball, with resort-style pools, and 50 miles of golf-cart paths AND No-CDDs!!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.18% · 30yr$2,385
Property taxesest. at asking price, St. Johns County$576
HOAbilled annually$104
Estimated total, before insurance$3,065/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,057/yr · $421/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).

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:50 AM, sunset 5:31 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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

Last sold: $440,000 in March 2026(county public record, not MLS data)

YearMarket valueTaxable valueChange
2026$413,187$361,776—

2024 property taxes (current owner): $5,057/yr

Estimated taxes if purchased at asking price: ~$6,900/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 1,526 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 (2026), 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 $238/sq ft; this home is listed at $184/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
178 Eagle Moon Lake Drive, St. Augustine, FL 32092Listed by ASHLEY HOMES REALTY LLCOct 2026$710,000$2624/32,7152110.4
373 Silver Lily Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCNov 2026$540,000$1985/32,7281200.5
272 Silver Lily Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCOct 2026$569,000$2095/32,7281070.6
61 Yorkshire Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$810,000$3054/32,660570.7
2080 Crown Drive, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLCOct 2026$625,000$2384/32,626900.8
49 Golden Fern Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYOct 2026$635,000$2304/32,75621

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$445,000
Price / Sq Ft$186
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,387
Acres0.25 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesEast

School Information

Community Information

Address374 Elm Creek Drive, St. Augustine, FL 32092
Area305-World Golf Village Area-Central
SubdivisionSilverleaf
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size10,890 sq ft
Parcel Number0279841860
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Pickleball, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub
AppliancesGas Range, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryUpper Level

Exterior

Patio / PorchCovered
FencingBack Yard
Road SurfaceAsphalt

Additional Information

Date ListedAugust 1, 2025
Days on Market157
HOA Fees$1,250 / Annually
HOA FrequencyAnnually
Tax Amount$5,057.41
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

Sold by: JPAR CITY AND BEACH (buyer's brokerage)

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 Mar 10, 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 →

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