This home is in St. Augustine — a gated community home in St. Johns County.
Pending·213 days on market
318 Bedford Terrace
St. Augustine, FL 32092
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Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
St. Augustine
New Toll Brothers home, ready now! Step inside and feel the difference, thoughtfully curated designer finishes and an open concept layout that simply flows. Luxury vinyl plank flooring carries you through the main living areas into a sun filled great room that connects seamlessly to the gourmet kitchen, complete with quartz countertops, dovetail/soft close cabinetry and stainless steel appliances. The primary suite is a true retreat, a spa inspired bath and walk in closet that make every morning and evening feel intentional. Two additional bedrooms offer the space and flexibility your lifestyle calls for. Step out to the covered lanai and let the Florida air do the rest. This is the quality and craftsmanship Toll Brothers is known for, in one of St. Augustine's most sought after communities. With no CDD fees and access to SilverLeaf's resort style amenities and future private amenities, schedule your private tour today!
Next steps in SilverLeaf
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.
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 13 mi · 60 parking spaces
Closest park or preserve
Gourd Island Conservation Areaabout 5 mi · 3.3 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 2 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 8 mi · Saint Johns River
Closest youth league fields
Durbin Crossing Parkabout 5 mi · Baseball, Football, Lacrosse, Softball, Track, Soccer
Closest grocery store
Publixabout 2 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 | $95,000 | $95,000 | — |
Estimated taxes if purchased at asking price: ~$7,200/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
- Sep 14, 2026Pending$449,000
- Aug 31, 2026Price change$449,000−$5,000
- Aug 13, 2026Price change$454,000−$5,000
- Aug 5, 2026Price change$459,000−$10,000
- Mar 25, 2026Listed$469,000
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 $264/sq ft; this home is listed at $257/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 193 Pine Leaf Drive Drive 177, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLC | Oct 2026 | $589,000 | $278 | 4/3 | 2,115 | 64 | 0.1 |
| 268 Bedford Terrace, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLC | Oct 2026 | $530,000 | $243 | 3/2.5 | 2,183 | 40 | 0.1 |
| 70 Branch Creek Road 60, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLC | Oct 2026 | $570,000 | $270 | 4/3 | 2,115 | 42 | 0.2 |
| 125 Lucia Place, St. Augustine, FL 32092Listed by WEEKLEY HOMES REALTY | Sep 2026 | $504,980 | $264 | 3/2 | 1,916 | 0 | 0.6 |
| 413 Brook Forest Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Oct 2026 | $475,000 | $217 | 4/2.5 | 2,190 | 14 | 0.7 |
| 121 Chestnut Grove Road, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $489,990 | $224 | 4/2.5 | 2,190 | 12 | 0.8 |
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: JACKSONVILLE TBI REALTY, LLC
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.
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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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Northeast Florida living
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