Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie'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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Active

Active·192 days on market·Silver Landing

125 Varner Way

St. Augustine, FL 32092

$475,000$223/sqftEst. $2,442/moMLS# 2130721

Beds

Baths

2,126

Sq Ft

2023

Built

Garage

Pool

About this home

Silver Landing

Don't miss this 3 bedroom with 2 FLEX rooms! Perfect for a home office AND add a 4th bedroom. Screened Lanai. Putting Green. Vinyl fenced backyard. Upgraded landscaping and irrigation. Luxury details throughout. Built in 2023 and beautifully upgraded, this home is located in the highly sought-after Silver Landing at SilverLeaf, NO CDD fee, A-rated schools, and a convenient location near beaches, shopping, dining, and the new Publix. The open floor plan features 3 bedrooms, 2 baths, and 2 flex rooms. The chef's kitchen boasts quartz countertops, a large island, stainless steel appliances, a designer backsplash, and custom pantry shelving. The owner's suite offers a walk-in closet, dual vanities, soaking tub, and glass-enclosed shower with shiplap accents. Enjoy tile flooring throughout the main living areas, an epoxy-finished garage, and a screened lanai overlooking a private fenced backyard with an extended paver patio, putting green, fresh sod, and irrigation. Schedule your showing!

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,442

Principal & Interest: $2,442

Property taxes (est.): $632

Insurance (est.): $317

Estimated Total Monthly

$3,391

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,442

Property taxesest. at asking price, St. Johns County$632

HOAbilled annually$101

Estimated total, before insurance$3,176/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,841/yr · $403/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).

Cost to own

Taxes & assessment

Last sold: $481,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$373,350	$322,628	—
2024	$405,187	$355,187	—
2023	$110,000	$110,000	—
2022	$106,400	$106,400	—

2025 property taxes (current owner): $4,841/yr

Estimated taxes if purchased at asking price: ~$7,600/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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

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

As of July 2026, 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.

History

Price & status history

Feb 18, 2026Listed$475,000

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

Features

Price$475,000

Price / Sq Ft$223

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,126

Acres0.17 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address125 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 Number0279715280

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Park, Pickleball, Playground

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Water Heater, Freezer, Gas Cooktop, Gas Oven, Gas Range, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit