This home is in Silverleaf, St. Augustine.

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Pending

Pending·211 days on market·Silverleaf

331 Bedford Terrace 119

St. Augustine, FL 32092

$524,000$224/sqftEst. $2,789/moMLS# 2121919

Beds

Baths

2,342

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

New Toll Brothers home, ready now! This beautifully designed home blends open-concept living with thoughtfully curated designer finishes throughout. Luxury vinyl plank flooring flows through the main living areas, creating a warm and cohesive feel. The expansive great room opens to the gourmet kitchen, showcasing quartz countertops, stainless steel appliances, and crisp white cabinetry, ideal for everyday living and entertaining. A dedicated first-floor office provides the perfect space for working from home or quiet retreat. Upstairs, the primary suite offers a relaxing escape with a spa-inspired bath and walk-in closet, while additional bedrooms provide comfort and versatility. Enjoy outdoor living with space to unwind and entertain. With no CDD fees and access to SilverLeaf's resort-style amenity centers and future private amenities, schedule your private tour today!

Cost to own

Mortgage calculator

Home Price

$524,000

Down Payment: 20%

$104,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,663

Principal & Interest: $2,663

Est. Taxes & Insurance: $666

Estimated Total Monthly

$3,329

*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$2,789

Property taxesest. at asking price, St. Johns County$697

HOAbilled annually$100

Estimated total, before insurance$3,586/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

Year	Market value	Taxable value	Change
2025	$95,000	$95,000	—

Estimated taxes if purchased at asking price: ~$8,400/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.