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This home is in St. Augustine.

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Pending

Pending·122 days on market

390 Cherry Elm Drive

St. Augustine, FL 32092

$359,990$187/sqftEst. $1,835/moMLS# 2136521
3
Beds
2
Baths
1,927
Sq Ft
2026
Built
2
Garage
No
Pool

About this home

St. Augustine

What's Special: Oversized Pantry | Loft | Large Kitchen Island. New Construction - May Completion! Built by America's Most Trusted Home Builder. Welcome to the Bellflower at 390 Cherry Elm Drive in Cherry Elm at SilverLeaf! Feel at home the minute you step in from the front porch! The open dining area, great room, and spacious kitchen with a large island create an inviting space for everyday moments and easy entertaining. The first level also features a half bath, a two-car garage, and a lovely outdoor lanai. Upstairs, a cozy loft leads to two bedrooms that share a full bath, along with a peaceful primary suite that offers a walk-in closet and a double-vanity bathroom. An upstairs laundry area adds comfort and convenience, and you'll enjoy plenty of storage with a coat closet, linen closet, and walk-in pantry. Located in St. Johns County, this community offers access to top-rated schools and low-maintenance, master-planned living with lawn care and exterior upkeep included. Enjoy

Cost to own

Mortgage calculator

$359,990
$71,998
Loan Term
Monthly Payment
$1,835
Principal & Interest: $1,835
Property taxes (est.): $479
Insurance (est.): $240
Estimated Total Monthly
$2,554
*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.58% · 30yr$1,835
Property taxesest. at asking price, St. Johns County$479
HOAbilled quarterly$134
Estimated total, before insurance$2,449/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, 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.

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.

Solar potential: ~1,747 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 home

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.

Features

Price$359,990
Price / Sq Ft$187
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,927
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleTraditional
Property ConditionUnder Construction
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
New ConstructionYes
Direction FacesNorth

School Information

Community Information

Address390 Cherry Elm Drive, St. Augustine, FL 32092
Area305-World Golf Village Area-Central
SubdivisionCherry Elm Townhomes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Dimensions55x16
Parcel NumberNALOT77
ZoningResidential

Amenities

AmenitiesPool, Other, Children's Pool, Clubhouse, Dog Park, Gated, Park, Pickleball, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther, Attached, Garage

Interior

Interior FeaturesKitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s), Other
AppliancesDisposal, Dryer, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet
# of Stories2
LevelsTwo
SecurityCarbon Monoxide Detector(s), Security Gate, Security Lights, Smoke Detector(s)

Exterior

Lot DescriptionOther
FencingOther, Vinyl
RoofShingle
ConstructionOther, Concrete, Frame
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedMarch 24, 2026
Days on Market46
HOA Fees$402 / Quarterly
HOA FrequencyQuarterly
HOA NameCherry Elm HOA/SilverLeaf Master Association
HOA Fee IncludesMaintenance Grounds, Other
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: TAYLOR MORRISON REALTY OF FLA

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

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 home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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