This home is in Silverleaf, St. Augustine.

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Active

Active·148 days on market·Silverleaf

128 Arbor Creek Drive

St. Augustine, FL 32092

$1,075,900$340/sqftEst. $5,726/moMLS# 2130749

Beds

Baths

3,164

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

Discover refined Southern elegance in the ''Ella'' 4-bedroom, 4-bath residence by Mastercraft Builder Group in the gated NO CDD community of Hidden Creek at Silverleaf. Soaring 12-foot ceilings and stacked transom windows bathe the main living spaces in natural light, enhancing the home's open, sophisticated ambiance. The gourmet kitchen is a true centerpiece, showcasing double-stacked cabinetry in timeless neutral tones, an oversized statement island with decorative detailing, and seamless flow ideal for both everyday living and elevated entertaining. Warm, neutral hardwood flooring extends throughout the main spaces, creating a sense of continuity and understated luxury. Thoughtful design elements include a discreet pocket office, versatile flex room, walk-in pantry, and an expansive laundry room complete with cabinetry and sink. Outdoors, a massive extended covered lanai invites effortless indoor-outdoor living, perfect for quiet mornings or hosting memorable gatherings.

Cost to own

Mortgage calculator

Home Price

$1,075,900

Down Payment: 20%

$215,180

Interest Rate: 6.55%

Loan Term

Monthly Payment

$5,469

Principal & Interest: $5,469

Est. Taxes & Insurance: $1,367

Estimated Total Monthly

$6,836

*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$5,726

Property taxesest. at asking price, St. Johns County$1,432

HOAbilled annually$142

Estimated total, before insurance$7,300/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

Year	Market value	Taxable value	Change
2025	$160,000	$160,000	—

2025 property taxes (current owner): $2,155/yr

Estimated taxes if purchased at asking price: ~$17,200/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 F

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

Roof: material not specified — year not disclosed (home built 2026)

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$1,075,900

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

Features

Price$1,075,900

Price / Sq Ft$340

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,164

Acres0.21 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

Community Information

Address128 Arbor Creek Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size9,147.6 sq ft

Parcel Number0099840600

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Gated, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesElectric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, Gas Water Heater, Microwave, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

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