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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Silver Landing, St. Augustine — a home near Tocoi Creek High School.

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Sold

Sold·Closed Jun 3, 2026·68 days on market·Recent sales in Silver Landing·Silver Landing

106 Varner Way

St. Augustine, FL 32092

$495,000sold priceListed at $499,000 · 99.2% of asking$215/sqftMLS# 2128618
4
Beds
2.5
Baths
2,302
Sq Ft
2023
Built
2
Garage
No
Pool

37 more homes for sale in Silver Landing →Search Silver Landing on the map

HOA $100/mo10,019 sqft lotWaterfrontSingle Family Residence1 story

About this home

Silver Landing

Welcome to 106 Varner Way in the highly sought-after master-planned community of Silverleaf in St. Augustine. Built in 2023, this beautifully designed one-story home offers 2,302 sq ft of open, modern living space on a 0.23-acre lot with NO CDD fees. This 4-bed, 2-full-bath, 1-half-bath home features an open-concept layout with wood-look tile flooring, recessed lighting, and a seamless flow between the kitchen, dining, and living areas. The kitchen showcases white cabinetry, stainless steel appliances, generous counter space, and a large center island ideal for gathering and entertaining. The spacious living room is anchored by a custom-built entertainment wall with an electric fireplace and built-in cabinets on both sides, creating a warm yet contemporary focal point. Sliding glass doors lead to the screened-in paver lanai, perfect for indoor-outdoor living. The primary suite offers walk-in closets and an ensuite bath with double vanities.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,742
Property taxesest. at asking price, St. Johns County$659
HOAbilled annually$100
Estimated total, before insurance$3,500/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,186/yr · $432/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$495,000
$99,000
Loan Term
Monthly Payment
$2,742
Principal & Interest: $2,742
Property taxes (est.): $659
Insurance (est.): $330
Estimated Total Monthly
$3,730
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2023)

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

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.

Cost to own

Taxes & assessment

Last sold: $500,000 in January 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$447,234$348,288—
2024$427,388$337,765—
2023$110,000$110,000—
2022$106,400$106,400—

2025 property taxes (current owner): $5,186/yr

Estimated taxes if purchased at asking price: ~$7,900/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 $240/sq ft; this home is listed at $217/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
139 Grand Rivage Drive Drive, St. Augustine, FL 32092Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$600,000$2404/32,496120.4
61 Yorkshire Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$810,000$3054/32,660570.5
39 Athens Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORPSep 2026$500,000$2204/22,2681510.7
49 Golden Fern Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYOct 2026$635,000$2304/32,75620.8
365 Silver Lily Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$585,000$2344/32,500510.8
163 Vivian James Drive, St. Augustine, FL 32092Listed by HOUSE & HAVENSep 2026$635,000$2524/32,517170.9

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

Price$499,000
Price / Sq Ft$217
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,302
Acres0.23 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address106 Varner Way, St. Augustine, FL 32092
Area305-World Golf Village Area-Central
SubdivisionSilver Landing
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size10,018.8 sq ft
Parcel Number0279714570
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Pickleball, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Natural Gas Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewPond, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryGas Dryer Hookup, Washer Hookup
Spa FeaturesCommunity

Exterior

Patio / PorchPatio, Rear Porch, Screened
FencingBack Yard
RoofShingle
Road FrontageCity Street

Additional Information

Date ListedFebruary 5, 2026
Days on Market68
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
Tax Amount$5,186.27
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

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 Silver Landing

Silver Landing is a neighborhood in SilverLeaf, FL (St. Johns County), ZIP 32092.

View all Silver Landing homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 3, 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.

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