This home is in Silverleaf, St. Augustine.

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Active

Active·147 days on market·Silverleaf

142 Arbor Creek Drive

St. Augustine, FL 32092

$849,900$341/sqftEst. $4,524/moMLS# 2130953

Beds

Baths

2,496

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

This stunning single-story new construction home features the award-winning ''Lola'' floor plan by MasterCraft Builder Group. The 4 bedroom, 3 bath and spacious 3 car garage home is located in the gated community of Hidden Creek at John's Island in Silverleaf (no CDD fees!). Soaring 12' ceilings and transom windows flood the main living spaces with natural light, creating an airy, open feel throughout. The chef's kitchen boasts double-stacked white shaker cabinets, quartz countertops, and Electrolux appliances, including a 36'' 5-burner gas cooktop, built-in oven/microwave, and French door refrigerator. A pocket office is tucked between the kitchen and pantry. The large covered lanai overlooks the backyard-perfect for relaxing or entertaining, with plenty of room for a pool. The luxurious primary suite includes an oversized shower with dual shower heads and separate vanities. Washer and dryer included in the oversized laundry room, connected to the primary walk in closet.

Cost to own

Mortgage calculator

Home Price

$849,900

Down Payment: 20%

$169,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,320

Principal & Interest: $4,320

Est. Taxes & Insurance: $1,080

Estimated Total Monthly

$5,400

*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$4,524

Property taxesest. at asking price, St. Johns County$1,131

HOAbilled annually$142

Estimated total, before insurance$5,796/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: ~$13,600/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

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 19, 2026Listed$849,900

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

Features

Price$849,900

Price / Sq Ft$341

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,496

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

Address142 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 Number0099840610

Amenities

AmenitiesBasketball 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 Cooktop, Gas Water Heater, Microwave, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne