This home is in Holly Forest, St. Augustine — a home near Tocoi Creek High School.
Sold·Closed Jun 23, 2026·134 days on market·Recent sales in Holly Forest·Holly Forest
322 Pine Bluff Drive
St. Augustine, FL 32092
4 more homes for sale in Holly Forest →Search Holly Forest on the map
About this home
Holly Forest
Welcome home to this beautifully upgraded townhome in the sought-after Holly Forest at SilverLeaf community, offering 3 bedrooms and 2.5 baths, 2 car garage with lots of upgrades including Farmhouse Sink, LVP Flooring, Iron Railing Staircase and Pavers. The open-concept living space is highlighted by updated chandeliers and designer pendant lighting, creating a bright and elegant atmosphere ideal for everyday living and entertaining. The kitchen shines with a built-in custom pantry, while the custom laundry room adds both style and functionality. The spacious owner's suite features built-in California closets and large bath, upstairs is an extra bonus room/office/loft with two guest bedrooms and bath. Step outside to relax on the screened lanai with an extended patio, perfect for enjoying Florida living year-round. With numerous upgrades and a prime location in St Johns County this townhome is truly move-in ready and a must-see.
Next steps in Holly Forest
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,746 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $295,888 | $173,931 | — |
| 2024 | $340,458 | $168,181 | — |
| 2023 | $320,990 | $161,681 | — |
| 2022 | $293,835 | $159,870 | — |
| 2021 | $45,000 | $45,000 | — |
2025 property taxes (current owner): $2,838/yr
Estimated taxes if purchased at asking price: ~$5,500/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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $199/sq ft; this home is listed at $194/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 530 Pine Bluff Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Sep 2026 | $355,000 | $178 | 3/2.5 | 1,994 | 37 | 0.2 |
| 81 Temple Drive, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $303,000 | $202 | 3/2.5 | 1,502 | 210 | 0.9 |
| 141 Camphor Laurel Road, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $369,990 | $200 | 4/2.5 | 1,853 | 4 | 1.2 |
| 127 Camphor Laurel Road, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Oct 2026 | $367,990 | $199 | 4/2.5 | 1,853 | 31 | 1.3 |
| 95 Camphor Laurel Road, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Aug 2026 | $364,000 | $196 | 4/2.5 | 1,853 | 12 | 1.3 |
| 1262 Brook Forest Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Aug 2026 | $350,000 | $189 | 4/2.5 | 1,853 | 0 | 1.3 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Holly Forest
Holly Forest is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Holly Forest homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 23, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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