This home is in St. Augustine — a new construction home in St. Johns County.
Pending·166 days on market
398 Cherry Elm Drive
St. Augustine, FL 32092
About this home
St. Augustine
What's Special: Covered Lanai | Loft | Extra Garage Storage | Oversized Pantry. New Construction - Ready Now! Built by America's Most Trusted Home Builder. Welcome to the Bellflower at 398 Cherry Elm Drive in Cherry Elm at Silverleaf! From the front porch, you step into the heart of this charming new townhome where the great room, dining area, and open kitchen flow together around a large island with quartz countertops. The first level also includes a convenient half bath, a two-car garage, and an outdoor lanai that extends your living space. Upstairs, a spacious loft connects two secondary bedrooms that share a full bathroom and a private primary suite with an en-suite bath and a walk-in closet. The laundry area is thoughtfully placed upstairs for everyday ease. Ample storage throughout the home includes a walk-in pantry along with coat and linen closets.
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.
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.
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 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 30, 2026Pending$359,990
- Aug 29, 2026Price change$359,990+$21,000
- Aug 14, 2026Price change$338,990−$16,000
- Jul 23, 2026Price change$354,990−$5,000
- Mar 24, 2026Listed$359,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: TAYLOR MORRISON REALTY OF FLA
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines