This home is in Silverleaf, St. Augustine.

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Active

Active·129 days on market·Silverleaf

149 Bismarck Palm Road 250

St. Augustine, FL 32092

$969,000$253/sqftEst. $5,157/moMLS# 2133856

Beds

Baths

3,825

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

Welcome home to the stunning Julington floorplan by Toll Brothers, featuring a grand two-story entry that creates an immediate sense of elegance highlighted by a sweeping staircase and abundant natural light. The chef's kitchen is thoughtfully appointed with KitchenAid appliance package, an expansive center island, stacked cabinetry and an oversized panty, perfect for both everyday living and entertaining. With the luxurious primary suite with spa retreat with beautiful appointed finishes on the main floor and private guest suite offering comfort and convenience for visiting family and friends. Upstairs you will find two additional generously sized bedrooms and two full bathrooms along with a bonus room ideal for a media room, game room or flexible living space to suit your lifestyle. Step outside to the covered lanai creating the perfect setting for relaxing, dining, and enjoying Florida's outdoor living year round. Estimated completion July - Stock photos not actual home.

Cost to own

Mortgage calculator

Home Price

$969,000

Down Payment: 20%

$193,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,895

Principal & Interest: $4,895

Est. Taxes & Insurance: $1,224

Estimated Total Monthly

$6,118

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$5,157

Property taxesest. at asking price, St. Johns County$1,289

HOAbilled monthly$115

Estimated total, before insurance$6,562/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	$130,000	$130,000	—

2025 property taxes (current owner): $1,751/yr

Estimated taxes if purchased at asking price: ~$15,500/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: 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