Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Silverleaf, St. Augustine — a gated community home in St. Johns County.

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Pending

Pending·163 days on market·Silverleaf

523 Brook Ridge Way

St. Augustine, FL 32092

$1,049,825$337/sqftEst. $5,397/moMLS# 2111336

Beds

Baths

3,111

Sq Ft

2025

Built

Garage

Pool

About this home

Silverleaf

Discover the Costa Mesa II - a thoughtfully designed floor plan that balances open-concept living with private retreats, perfect for families of all sizes. With 3,047 square feet of comfortable and customizable space, this home invites you to live both freely and luxuriously. Imagine stepping through the front door into a spacious foyer that guides you effortlessly into the heart of the home. Here, the open living room, dining room, and kitchen converge to create a seamless flow of space ideal for both everyday living and entertaining. The living room, with its spacious 24' x 18' layout, offers the perfect canvas to gather with loved ones, while the adjacent kitchen boasts ICI Homes' Kitchen Deluxe package, complete with premium finishes, generous counter space, and an oversized island that serves as both a workspace and a casual dining spot.

Cost to own

Mortgage calculator

Home Price

$1,049,825

Down Payment: 20%

$209,965

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,397

Principal & Interest: $5,397

Property taxes (est.): $1,397

Insurance (est.): $700

Estimated Total Monthly

$7,494

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$5,397

Property taxesest. at asking price, St. Johns County$1,397

HOAbilled annually$100

Estimated total, before insurance$6,894/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.

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.

Features

Price$1,049,825

Price / Sq Ft$337

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,111

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

HighTocoi Creek

Community Information

Address523 Brook Ridge Way, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0099830530

Amenities

AmenitiesPool, Dog Park, Gated, Park, Pickleball, Playground

UtilitiesCable Available, Electricity Available, Natural Gas Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

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