This home is in Silverleaf, St. Augustine.

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Active

Active·120 days on market·Silverleaf

318 Bedford Terrace

St. Augustine, FL 32092

$469,000$269/sqftEst. $2,391/moMLS# 2136592

Beds

Baths

1,746

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

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!

Cost to own

Mortgage calculator

Home Price

$469,000

Down Payment: 20%

$93,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,391

Principal & Interest: $2,391

Property taxes (est.): $624

Insurance (est.): $313

Estimated Total Monthly

$3,328

*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$2,391

Property taxesest. at asking price, St. Johns County$624

HOAbilled annually$100

Estimated total, before insurance$3,115/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$95,000	$95,000	—

Estimated taxes if purchased at asking price: ~$7,500/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 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 home

As 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