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 Silverleaf, St. Augustine — a gated community home in St. Johns County.

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Active

Active·193 days on market·Silverleaf

128 Arbor Creek Drive

St. Augustine, FL 32092

$1,049,900$332/sqftEst. $5,398/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

$1,049,900

Down Payment: 20%

$209,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,398

Principal & Interest: $5,398

Property taxes (est.): $1,397

Insurance (est.): $700

Estimated Total Monthly

$7,495

*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$5,398

Property taxesest. at asking price, St. Johns County$1,397

HOAbilled annually$142

Estimated total, before insurance$6,936/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,155/yr · $180/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

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: ~$16,800/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

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

Jul 24, 2026Price change$1,049,900−$26,000
Feb 18, 2026Listed$1,075,900

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

Features

Price$1,049,900

Price / Sq Ft$332

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,164

Total Structure Area3,164 sq ft

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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