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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Pending

Pending·190 days on market·Silverleaf

23 Pine Grove Point

St. Augustine, FL 32092

$1,224,900$349/sqftEst. $6,297/moMLS# 2130938

Beds

Baths

3,508

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

Exceptional ''Cameron'' new-construction single-story POOL HOME on a coveted corner homesite, crafted by Mastercraft Builder Group within the gated enclave of Courtney Oaks at Silverleaf. Offering 3,508 square feet of refined living, this home features four bedrooms, three-and-a-half baths, a private study, formal dining room, and an impressive four-car courtyard-entry garage. RevWood pale oak flooring anchors the main living areas, enhanced by soaring 12-foot ceilings and stacked transom windows that bathe the interiors in natural light. The owner's suite is a true retreat with dual walk-in closets, separate vanities, a freestanding soaking tub, and an expansive walk-in shower with dual shower heads. The gourmet kitchen is a showpiece, showcasing double-stacked neutral cabinetry, warm gold hardware, and a generous island ideal for gathering. Your at home entertainment is complete with an inground saltwater pool and hot tub with screen enclosure.

Cost to own

Mortgage calculator

Home Price

$1,224,900

Down Payment: 20%

$244,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,297

Principal & Interest: $6,297

Property taxes (est.): $1,630

Insurance (est.): $817

Estimated Total Monthly

$8,744

*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$6,297

Property taxesest. at asking price, St. Johns County$1,630

HOAbilled annually$142

Estimated total, before insurance$8,069/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,030/yr · $253/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: $4,860,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$225,000	$225,000	—
2024	$225,000	$225,000	—
2023	$140,000	$140,000	—
2022	$39,200	$39,200	—

2025 property taxes (current owner): $3,030/yr

Estimated taxes if purchased at asking price: ~$19,600/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.

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

Aug 21, 2026Pending$1,224,900
Jul 24, 2026Price change$1,224,900−$25,000
Feb 19, 2026Listed$1,249,900

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

Features

Price$1,224,900

Price / Sq Ft$349

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,508

Total Structure Area3,508 sq ft

Acres0.31 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages4

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

Community Information

Address23 Pine Grove Point, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size13,503.6 sq ft

Parcel Number0103620630

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 FeaturesEntrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, 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 Cooktop, Gas Water Heater, Microwave, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne