This home is in Silverleaf, St. Augustine.
Active Under Contract·164 days on market·Silverleaf
637 Watervale Drive
St. Augustine, FL 32092
About this home
Silverleaf
Custom upgrades you won't find in a builder-grade home! Welcome to this beautifully upgraded 2021 home in Silverleaf's sought-after Holly Forest community--conveniently located near SR 210 and I-95 with NO CDD FEES & LOW HOA fees! This thoughtfully designed 4-bedroom, 3-bathroom home features a primarily one-story floor plan with a versatile upstairs bonus space. Upgrades include luxury vinyl plank flooring throughout the main level, a custom electric fireplace, designer kitchen backsplash, double wall ovens, California Closets, an automated living room shade, water softener, reverse osmosis system, and a spacious first-floor primary suite. Outside, enjoy an expansive fully fenced backyard with an extended paver patio, fire pit, and natural gas hookup for grilling. Additional upgrades include an extended paver driveway and dual 240V NEMA 14-50 garage outlets--perfect for EV charging.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: $535,000 in July 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $442,674 | $442,674 | — |
| 2024 | $439,216 | $345,963 | ▲ $15,298 |
| 2023 | $391,633 | $334,430 | — |
| 2022 | $373,233 | $323,233 | — |
| 2021 | $65,000 | $65,000 | — |
2025 property taxes (current owner): $6,296/yr
Estimated taxes if purchased at asking price: ~$8,400/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: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,711 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs 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 18, 2026Active Under Contract$525,000
- Mar 19, 2026Listed$525,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Silverleaf
Silverleaf is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Silverleaf homes for sale →Listing Courtesy of: LPT REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines