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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 waterfront home in St. Johns County.

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Sold

Sold·Closed Apr 10, 2026·29 days on market·Recent sales in Silver Landing·Silver Landing

378 Varner Way

St. Augustine, FL 32092

$485,000sold priceListed at $485,000 · 100% of asking$228/sqftMLS# 2128646
3
Beds
2
Baths
2,126
Sq Ft
2022
Built
2
Garage
No
Pool

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

HOA $35/mo7,405 sqft lotWaterfrontSingle Family Residence1 story

About this home

Silver Landing

Pond views • Screened lanai • Covered front porch • Two flex rooms • Double ovens • Built 2022 • No CDD Fees Located in SilverLeaf, this well-maintained home offers 3 bedrooms plus two dedicated flex spaces (convert to make 5 bedrooms), providing layout versatility beyond typical homes of similar size. Tile flooring spans the main living areas, and the kitchen features double ovens, gas stove, a center island with seating for three, ample cabinet storage, and open sightlines to the living area. The primary suite includes a walk-in closet, dual sinks, a soaking tub, and a separate shower. The laundry room is a dedicated interior space, not a garage pass-through. The rear screened lanai overlooks a pond, offering open water views rather than backing directly to another home. SilverLeaf amenities include pools, parks, trails, clubhouse, sports courts, and community gathering spaces. Convenient access to major roadways, shopping, dining, & daily services. 3D walkthrough tour available.

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$2,686
Property taxesest. at asking price, St. Johns County$645
HOAbilled annually$35
Estimated total, before insurance$3,366/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,423/yr · $452/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

$485,000
$97,000
Loan Term
Monthly Payment
$2,686
Principal & Interest: $2,686
Property taxes (est.): $645
Insurance (est.): $323
Estimated Total Monthly
$3,655
*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 2022)

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

YearMarket valueTaxable valueChange
2025$377,853$377,853—
2024$410,606$410,606—
2023$420,606$420,606—
2022$106,400$106,400—

2025 property taxes (current owner): $5,423/yr

Estimated taxes if purchased at asking price: ~$7,700/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.

History

Price & status history

  • Feb 5, 2026Listed$485,000

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

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 $238/sq ft; this home is listed at $228/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
139 Grand Rivage Drive Drive, St. Augustine, FL 32092Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$600,000$2404/32,496120.3
61 Yorkshire Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$810,000$3054/32,660570.4
365 Silver Lily Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$585,000$2344/32,500510.6
49 Golden Fern Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYOct 2026$635,000$2304/32,75620.7
39 Athens Drive, St. Augustine, FL 32092Listed by WATSON REALTY CORPSep 2026$500,000$2204/22,2681510.9
2080 Crown Drive, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLCOct 2026$625,000$2384/32,626901

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$485,000
Price / Sq Ft$228
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,126
Acres0.17 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address378 Varner Way, St. Augustine, FL 32092
Area305-World Golf Village Area-Central
SubdivisionSilver Landing
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size7,405.2 sq ft
Parcel Number0279714860

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryGas Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch, Screened
RoofShingle

Additional Information

Date ListedFebruary 5, 2026
Days on Market29
HOA Fees$415 / Annually
HOA FrequencyAnnually
HOA NameMaster Association
Tax Amount$5,423.16
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CROSSVIEW 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 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 Apr 10, 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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