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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Courtney Oaks, St. Augustine — a pool home in St. Johns County.

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Active·190 days on market·Courtney Oaks

140 Courtney Oaks Drive

St. Augustine, FL 32092

$949,900$381/sqftEst. $5,220/mo mortgageMLS# 2139711
↓ $87,100 below original list
4
Beds
3
Baths
2,496
Sq Ft
2025
Built
3
Garage
Yes
Pool

4 more homes for sale in Courtney Oaks →Search Courtney Oaks on the map

FEMA Zone XHOA $142/mo10,890 sqft lotSingle Family Residence1 story

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About this home

Courtney Oaks

Wake up to sunlight streaming through this like-new Mastercraft home in the gated Courtney Oaks in Silverleaf, where warmth and comfort greet you at every turn. Natural light dances across beautiful wood floors, highlighting an open floor plan designed for easy living and entertaining. The gourmet kitchen features quartz countertops, stainless appliances, a large island, butler's pantry, and spacious pantry for effortless organization. High ceilings enhance the airy feel, while the split bedroom layout and walk-in closets offer privacy and space. Step outside to a screened-in patio overlooking a heated saltwater pool and summer kitchen, perfect for year-round enjoyment. The expansive backyard invites play and relaxation. Located near the new amenity center and schools with easy commute access, this home blends style, function, and convenience into one exceptional opportunity. This house is meticulously maintatined waiting for its new owner!

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$5,220
Property taxesest. at asking price, St. Johns County$1,264
HOAbilled annually$142
Estimated total, before insurance$6,626/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,030/yr · $253/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$949,900
$189,980
Loan Term
Monthly Payment
$5,220
Principal & Interest: $5,220
Property taxes (est.): $1,264
Insurance (est.): $633
Estimated Total Monthly
$7,117
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — year not disclosed (home built 2025)

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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

Last sold: $4,860,000 in July 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$225,000$225,000—
2024$225,000$225,000—
2023$140,000$140,000—
2022$39,200$39,200—

2025 property taxes (current owner): $3,030/yr

Estimated taxes if purchased at asking price: ~$15,200/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 5, 2026Price change$949,900−$50,000
  • Sep 1, 2026Price change$999,900−$13,100
  • Aug 10, 2026Price change$1,013,000−$12,000
  • Jul 18, 2026Price change$1,025,000−$12,000
  • Apr 16, 2026Listed$1,037,000

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 $288/sq ft; this home is listed at $381/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
271 Courtney Chase Drive, St. Augustine, FL 32092Listed by ICI SELECT REALTY, INC.Oct 2026$785,600$2884/3.52,729570.3
215 Brooke Ridge Way, St. Augustine, FL 32092Listed by ICI SELECT REALTY, INC.Oct 2026$1,067,405$3333/33,205150.4
94 Blue River Drive, St. Augustine, FL 32092Listed by RICK WOOD & ASSOCIATES INCSep 2026$859,900$2744/33,1401260.5
53 Glenbriar Court, St. Augustine, FL 32092Listed by KARSTEN REAL ESTATE TEAMSep 2026$932,000$3284/32,843610.7
298 Brook Forest Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCOct 2026$465,000$2013/2.52,3161041.2
171 Cedar Knoll Circle, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCOct 2026$542,000$1994/42,728261.2

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

Price$949,900
Price / Sq Ft$381
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,496
Acres0.25 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Heated, Screen Enclosure
Is WaterfrontNo
Gated CommunityYes

School Information

Zoned elementaryLiberty Pines Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryLiberty Pines Academy
Reported middleLiberty Pines Academy
Reported highTocoi Creek
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address140 Courtney Oaks Drive, St. Augustine, FL 32092
Area304- 210 South
SubdivisionCourtney Oaks
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size10,890 sq ft
Parcel Number0103621190

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Park, Pickleball, Playground
Community FeaturesGated
UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories1
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchPatio, Screened
FencingFull

Additional Information

Date ListedApril 16, 2026
Days on Market181
HOA Fees$1,700 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds
Tax Amount$3,030.44
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ROUND TABLE REALTY

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.

The neighborhood

About Courtney Oaks

Courtney Oaks is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Courtney Oaks homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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