This home is in Orchard Park, St. Augustine — a home near Pedro Menendez High School.
Sold·Closed May 28, 2026·65 days on market·Recent sales in Orchard Park·Orchard Park
81 Silver Fern Drive
St. Augustine, FL 32086
14 more homes for sale in Orchard Park →Search Orchard Park on the map
About this home
Orchard Park
Welcome to 81 Silver Fern Drive where peaceful lake views and everyday convenience come together beautifully. Perfectly positioned in a highly desirable setting, this exceptional townhome offers tranquil water views paired with an effortlessly walkable lifestyle. Enjoy serene mornings overlooking the lake and unwind in the evenings with calming waterfront sunsets right from your own backyard. Imagine starting your day with a scenic stroll to the nearby Publix Shopping Plaza, spending afternoons at Treaty Park with its pickleball courts, softball fields, and picturesque walking trails, and enjoying the rare convenience of walking your children to the brand-new Treaty Oaks Prep Academy or Prodigy at Treaty Oaks no car line required. Ideally located with easy access to historic downtown St. Augustine and the area's beautiful beaches, this home delivers the perfect balance of location, lifestyle, and natural beauty. Don't miss this exceptional lakefront gem!
Next steps in Orchard Park
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: ~1,775 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 | $265,757 | $265,757 | — |
| 2024 | $275,906 | $275,906 | — |
| 2023 | $259,238 | $259,238 | — |
| 2022 | $243,244 | $243,244 | — |
| 2021 | $40,000 | $40,000 | — |
2025 property taxes (current owner): $3,913/yr
Estimated taxes if purchased at asking price: ~$4,600/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 $216/sq ft; this home is listed at $178/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 24 Pittman Court, St. Augustine, FL 32086Listed by ROUND TABLE REALTY | Sep 2026 | $222,000 | $176 | 2/2.5 | 1,259 | 55 | 0.1 |
| 25 Beach Palm Court, St. Augustine, FL 32086Listed by ROUND TABLE REALTY | Sep 2026 | $227,990 | $181 | 2/2.5 | 1,259 | 24 | 0.1 |
| 54 Moultrie Creek Circle, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jul 2026 | $350,000 | $225 | 3/2.5 | 1,553 | 42 | 0.2 |
| 51 S Twin Maple Road, St. Augustine, FL 32084Listed by DAVIDSON REALTY, INC. | Jul 2026 | $355,000 | $228 | 3/2 | 1,557 | 32 | 0.6 |
| 227 Sawmill Landing Drive, St. Augustine, FL 32086Listed by NON MLS (realMLS) | Jun 2026 | $280,000 | $216 | 3/2 | 1,299 | 0 | 0.6 |
| 280 Sawmill Landing Drive, St. Augustine, FL 32086Listed by ENGEL & VOLKERS ST AUGUSTINE | Aug 2026 | $385,000 | $204 | 3/2.5 | 1,886 | 96 | 0.7 |
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: UNITED REAL ESTATE GALLERY
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 Orchard Park
Orchard Park is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.
View all Orchard Park homes for sale →Keep looking
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More in Orchard Park
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on May 28, 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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines