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 Silver Meadows, St. Augustine — a waterfront home in St. Johns County.

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Pending

Pending·260 days on market·Silver Meadows

142 Whitmore Drive

St. Augustine, FL 32092

$539,985$203/sqftEst. $2,790/moMLS# 2122360

Beds

Baths

2,663

Sq Ft

2025

Built

Garage

Pool

About this home

Silver Meadows

Move-In Ready - Newly Built Home, never lived in! NO CDD FEES! This neighborhood is truly one-of-a-kind! Lennar Homes Sierra floor plan with 4 bedrooms, 2.5 baths, study, and 2 car garage. Everything Included features gourmet kitchen with white cabinets and white quartz kitchen tops, 42 inch cabinets, Frigidaire stainless steel appliances including gas range, double ovens, dishwasher, microwave, and refrigerator, ceramic wood tile in wet areas and extended into family, dining, and halls, quartz vanities, screened lanai, window blinds throughout, and sprinkler system. One year builder warranty, dedicated customer service program, and 24 hour emergency service. (Conditions may apply)

Cost to own

Mortgage calculator

Home Price

$539,985

Down Payment: 20%

$107,997

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,790

Principal & Interest: $2,790

Property taxes (est.): $719

Insurance (est.): $360

Estimated Total Monthly

$3,869

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,790

Property taxesest. at asking price, St. Johns County$719

HOAbilled monthly$154

Estimated total, before insurance$3,663/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,280/yr · $107/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).

Cost to own

Taxes & assessment

Last sold: $1,252,100 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$95,000	$95,000	—
2024	$70,000	$70,000	—

2025 property taxes (current owner): $1,280/yr

Estimated taxes if purchased at asking price: ~$8,600/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

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

As of July 2026, 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.

History

Price & status history

Aug 10, 2026Pending$539,985
Aug 5, 2026Price change$539,985−$30,000
Jul 28, 2026Price change$569,985+$20,000
Jul 27, 2026Price change$549,985−$20,000
Dec 22, 2025Listed$569,985

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

Features

Price$539,985

Price / Sq Ft$203

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,663

Acres0.14 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Community Information

Address142 Whitmore Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Meadows

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Parcel Number0269422890

Amenities

AmenitiesPool, Clubhouse, Playground, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)