This home is in Silver Landing, St. Augustine.

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Active

Active·148 days on market·Silver Landing

125 Varner Way

St. Augustine, FL 32092

$475,000$223/sqftEst. $2,528/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: 6.55%

Loan Term

Monthly Payment

$2,414

Principal & Interest: $2,414

Est. Taxes & Insurance: $604

Estimated Total Monthly

$3,018

*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$2,528

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

HOAbilled annually$101

Estimated total, before insurance$3,262/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: $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

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 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