Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Creekside, St. Augustine — a home near Beachside High School.

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Active

Active·21 days on market·Creekside

196 Silver Reef Lane

St. Augustine, FL 32095

$599,000$226/sqftEst. $3,079/moMLS# 2138786

Beds

Baths

2,647

Sq Ft

2020

Built

Garage

Pool

About this home

Creekside

With over $100,000 in UPGRADES and Brand NEW carpet installed in 3 guest bedrooms on 4/23/2026! This home offers a rare combination of luxury, efficiency, and true move-in-ready condition. Welcome to this immaculately maintained Medallion floor plan featuring 4 bedrooms, 3 bathrooms, and a 3-car garage, ideally located on a private wooded preserve lot in sought-after Creekside. SOLAR PANELS give this home a Major efficiency upgrade with an average electric bill of just $35/month! Offering significant long-term savings. Interior features include quartz countertops, 42'' cabinetry, and a plus a brand new Samsung 4 French Door-touch screen refrigerator. Stainless steel gourmet kitchen with 5-burner gas range, microwave, dishwasher, Ceramic wood-look tile extends throughout the main living areas and LVP throughout all bedrooms, complemented by crown molding, 5 ¼'' baseboards, a glass front entry door.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,079

Principal & Interest: $3,079

Property taxes (est.): $797

Insurance (est.): $399

Estimated Total Monthly

$4,276

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,079

Property taxesest. at asking price, St. Johns County$797

HOAbilled quarterly$102

Estimated total, before insurance$3,978/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	$505,488	$503,126	—
2024	$520,544	$457,387	—
2023	$417,977	$401,546	—
2022	$409,754	$365,042	—
2021	$331,856	$331,856	—
2020	$70,000	$70,000	—

Estimated taxes if purchased at asking price: ~$9,600/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 2020)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,783 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

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

Price & status history

Aug 8, 2026Price change$599,000−$11,000
Apr 7, 2026Listed$610,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$599,000

Price / Sq Ft$226

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,647

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLakeside Academy

MiddleAlice B. Landrum

HighBeachside

Community Information

Address196 Silver Reef Lane, St. Augustine, FL 32095

Area304- 210 South

SubdivisionCreekside

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0237133520

ZoningSingle Family

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Park, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup