This home is in Silver Falls, St. Johns — a new construction home in St. Johns County.
Active·108 days on market·Silver Falls
97 Sutton Bay Causeway
St. Johns, FL 32092
41 more homes for sale in Silver Falls →Search Silver Falls on the map
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About this home
Silver Falls
***MOVE IN READY - BRAND NEW HOME*** Lennar Homes Patriot floor plan with 4 bedrooms 3.5 baths, a study space and a 2 car garage. Also featuring: Lennar's Next Gen Living (Mother in law suite) Everything Included features a gourmet kitchen with white cabinets and white quartz kitchen countertops, 42 inch cabinets, stainless steel appliances including range double ovens dishwasher microwave and refrigerator, ceramic wood plank tile in wet areas and extended into family dining and halls, quartz vanities, window blinds throughout, screened lanai, and sprinkler system. One year builder warranty with a dedicated customer service program and 24 hour emergency service. (Conditions may apply)
Next steps in Silver Falls
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve dirt lotabout 12 mi · 60 parking spaces
Closest park or preserve
Gourd Island Conservation Area15 min drive · 3.3 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 3 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 9 mi · Saint Johns River
Closest youth league fields
Mill Creek Park17 min drive · Baseball
Closest grocery store
Publixabout 1 mi · 1975 Silverleaf Pkwy, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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: ~$10,200/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.
History
Price & status history
- Oct 20, 2026Price change$640,980−$27,491
- Oct 13, 2026Price change$668,471+$1
- Sep 14, 2026Price change$668,470−$12,500
- Sep 10, 2026Price change$680,970+$15,000
- Sep 5, 2026Price change$665,970−$11,510
- Jul 7, 2026Active$677,480
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $230/sq ft; this home is listed at $213/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 91 Grand Traverse Circle, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Oct 2026 | $552,490 | $207 | 4/3.5 | 2,663 | 49 | 0.2 |
| 57 Stiffs Mill Lane, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Oct 2026 | $612,990 | $204 | 4/3.5 | 3,005 | 49 | 0.4 |
| 262 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Sep 2026 | $579,990 | $230 | 4/2.5 | 2,521 | 0 | 0.4 |
| 101 Stiffs Mill Lane, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Sep 2026 | $492,990 | $218 | 4/3.5 | 2,263 | 35 | 0.4 |
| 35 White Tree Court, St. Augustine, FL 32092Listed by AXEN REALTY LLC | Sep 2026 | $554,255 | $250 | 5/3 | 2,220 | 136 | 0.8 |
| 268 Bedford Terrace, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLC | Oct 2026 | $530,000 | $243 | 3/2.5 | 2,183 | 40 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: LENNAR REALTY INC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Silver Falls
Silver Falls is a neighborhood in SilverLeaf, FL (St. Johns County), ZIP 32092.
View all Silver Falls homes for sale →Keep looking
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Krista Fracke
Broker Associate
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