This home is in Silverleaf, St. Augustine.

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Active

Active·156 days on market·Silverleaf

295 Pine Grove Point

St. Augustine, FL 32092

$1,199,777$347/sqftEst. $6,386/moMLS# 2115547

Beds

Baths

3,458

Sq Ft

2024

Built

Garage

Yes

Pool

About this home

Silverleaf

$10,000 towards rate buy down or closing costs!! John's Island amenities center now open. Welcome to this exceptional custom-built home. Built in 2024 located in the highly sought-after Courtney Oaks at Johns Island, Silverleaf. Offering 5 bedrooms, 3 full baths, and 2 half baths across 3,458 square feet, this elegant home sits on a half-acre homesite within a private gated community. Designed with luxury and functionality in mind, this home features an open floor plan concept with vaulted ceilings in the living room, coffered ceilings in the dining room, and laminate plank flooring throughout & 18x18 ceramic tile in the baths and laundry room. A flex space with glass French doors greets you upon entry--ideal for a home office or den. Living Room offers a 74'' Horizontal fireplace, custom built-ins, in ceiling surround sound and multi-slide patio doors allowing for a fabulous view of the sparkling pool.

Cost to own

Mortgage calculator

Home Price

$1,199,777

Down Payment: 20%

$239,955

Interest Rate: 6.55%

Loan Term

Monthly Payment

$6,098

Principal & Interest: $6,098

Est. Taxes & Insurance: $1,525

Estimated Total Monthly

$7,623

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$6,386

Property taxesest. at asking price, St. Johns County$1,596

HOAbilled annually$100

Estimated total, before insurance$8,082/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $5,040,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$852,391	$590,476	—
2024	$225,000	$225,000	—
2023	$140,000	$140,000	—
2022	$39,200	$39,200	—

2024 property taxes (current owner): $2,822/yr

Estimated taxes if purchased at asking price: ~$19,200/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2024)

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Feb 10, 2026Listed$1,199,777

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

Features

Price$1,199,777

Price / Sq Ft$347

Bedrooms5

Bathrooms4.00

Full Baths3

Half Baths2

Square Footage3,458

Acres0.49 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontNo

Gated CommunityYes

Community Information

Address295 Pine Grove Point, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size21,344.4 sq ft

Parcel Number0103620780

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Gated

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air, Multi Units

FlooringLaminate

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate, Smoke Detector(s)

Spa FeaturesIn Ground, Heated, Private