This home is in Silver Falls, St. Augustine.

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Pending

Pending·122 days on market·Silver Falls

44 Sutton Bay Causeway

St. Augustine, FL 32092

$615,480$232/sqftEst. $3,276/moMLS# 2134835

Beds

Baths

2,657

Sq Ft

2026

Built

Garage

Pool

About this home

Silver Falls

Under Construction: Ready August 2026! Introducing the Medallion floor plan by Lennar Homes, offering 4 bedrooms, 3 bathrooms, and a spacious 3-car garage. This home features Lennar's signature Everything's Included package, including a gourmet kitchen with white cabinets, white Quartz kitchen countertops, 42'' upper cabinets, and Frigidaire stainless steel appliances gas range, dishwasher, microwave, and refrigerator. Ceramic wood-look tile is installed in all wet areas and extended into the family room, dining area, and hallways. Additional highlights include Quartz vanities, a water heater, window blinds throughout, a screened lanai, and a sprinkler system. . Enjoy peace of mind with a one-year builder warranty, dedicated customer service program, and 24-hour emergency service. (Conditions may apply)

Cost to own

Mortgage calculator

Home Price

$615,480

Down Payment: 20%

$123,096

Interest Rate: 7.00%

Loan Term

Monthly Payment

$3,276

Principal & Interest: $3,276

Est. Taxes & Insurance: $819

Estimated Total Monthly

$4,095

*Estimates based on 30-year loan at 7% APR. 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$3,276

Property taxesest. at asking price, St. Johns County$819

HOAbilled monthly$144

Estimated total, before insurance$4,239/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	$90,000	$90,000	—

2025 property taxes (current owner): $1,212/yr

Estimated taxes if purchased at asking price: ~$9,800/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 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.

Features

Price$615,480

Price / Sq Ft$232

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,657

Acres0.17 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address44 Sutton Bay Causeway, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Falls

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0269411480

Amenities

AmenitiesPool, Clubhouse, Playground, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)