This home is in Ravenswood Village, St. Augustine.

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Active Under Contract

Active Under Contract·156 days on market·Ravenswood Village

163 Silver Birch Street

St. Augustine, FL 32084

$339,000$190/sqftEst. $1,804/moMLS# 2129541

Beds

Baths

1,783

Sq Ft

2023

Built

Garage

Pool

About this home

Ravenswood Village

***MINIMUM RENTAL TERM ONE CALENDAR MONTH*** MOTIVATED SELLER! Beautifully maintained 4 bedroom, 2 bath home in Ravenswood Village offering comfort, style, and modern convenience. This home shows pride of ownership and is move in ready. The main living area features an open concept layout with a vaulted ceiling, luxury wood look vinyl flooring, recessed lighting, and a seamless flow between the kitchen, dining, and living spaces, making it ideal for everyday living and entertaining. The kitchen includes stainless steel appliances, soft close cabinetry, generous counter space, a huge pantry, and a large center island with the sink and seating space that works perfectly for informal dining and gathering. All bedrooms are carpeted, and the home includes blinds on all windows for privacy and convenience. Smart home features are included, along with a Ring camera system and a seller installed water softener.

Cost to own

Mortgage calculator

Home Price

$339,000

Down Payment: 20%

$67,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,723

Principal & Interest: $1,723

Est. Taxes & Insurance: $431

Estimated Total Monthly

$2,154

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,804

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

HOAbilled quarterly$38

Estimated total, before insurance$2,294/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $332,000 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$293,677	$241,136	—
2024	$283,633	$233,633	—

2025 property taxes (current owner): $3,757/yr

Estimated taxes if purchased at asking price: ~$5,400/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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Feb 10, 2026Listed$339,000

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

Features

Price$339,000

Price / Sq Ft$190

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,783

Acres0.12 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Ranch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryCrookshank

MiddleSebastian

HighSt. Augustine

Community Information

Address163 Silver Birch Street, St. Augustine, FL 32084

Area336-Ravenswood/West Augustine

SubdivisionRavenswood Village

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size5,227.2 sq ft

Parcel Number0948521500

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Covered, Garage

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySmoke Detector(s)