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 St. Augustine — a gated community home in St. Johns County.

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Pending

Pending·30 days on market

346 Cherry Elm Drive

St. Augustine, FL 32092

$338,990$176/sqftEst. $1,761/moMLS# 2126054

Beds

2.5

Baths

1,927

Sq Ft

2026

Built

Garage

Pool

About this home

St. Augustine

What's Special: Oversized Closet in Primary | Covered Lanai | New Floor Plan. New Construction - Ready Now! Built by America's Most Trusted Home Builder. Welcome to the Bellflower at 346 Cherry Elm Drive in Cherry Elm at SilverLeaf. From the front porch, you'll step into an open dining area, great room, and spacious kitchen with a large island, perfect for everyday living and easy entertaining. The first floor also offers a half bath and an outdoor lanai. Upstairs, a cozy loft connects two secondary bedrooms and a full bath, along with a peaceful primary suite featuring a walk-in closet and double-vanity bath. An upstairs laundry room and ample storage add convenience throughout. Cherry Elm at SilverLeaf offers low-maintenance living with lawn care included, access to top-rated schools, and resort-style amenities like pools, pickleball and tennis courts, trails, and a future amenity field. Parks, rivers, beaches, and major roadways are all close to home.

Cost to own

Mortgage calculator

Home Price

$338,990

Down Payment: 20%

$67,798

Interest Rate: 6.76%

Loan Term

Monthly Payment

$1,761

Principal & Interest: $1,761

Property taxes (est.): $451

Insurance (est.): $226

Estimated Total Monthly

$2,438

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$1,761

Property taxesest. at asking price, St. Johns County$451

HOAbilled quarterly$134

Estimated total, before insurance$2,346/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.

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 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,473 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of August 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 19, 2026Pending$338,990
Aug 14, 2026Price change$338,990−$10,000
Aug 14, 2026Price change$348,990

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

Features

Price$338,990

Price / Sq Ft$176

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,927

Year Built2026

TypeResidential

Sub-TypeTownhouse

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

Direction FacesNorth

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address346 Cherry Elm Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionCherry Elm Townhomes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Dimensions24x52

Parcel Number0

ZoningResidential

Amenities

AmenitiesPool, Other, Children's Pool, Clubhouse, Dog Park, Gated, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingOther, Attached, Garage, Guest

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s), Other

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator, Trash Compactor

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit

SecurityCarbon Monoxide Detector(s), Security Gate, Security Lights, Smoke Detector(s)

Exterior

Lot DescriptionOther

Patio / PorchCovered, Patio

FencingOther

RoofShingle

ConstructionOther, Concrete, Frame

Road SurfacePaved

Road FrontagePrivate Road

Additional Information

Date ListedAugust 14, 2026

Days on Market135

HOA Fees$402 / Quarterly

HOA FrequencyQuarterly

HOA NameCherry Elm HOA/SilverLeaf Master Association

HOA Fee IncludesMaintenance Grounds, Other

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: TAYLOR MORRISON REALTY OF FLA

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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