This home is in Courtney Oaks, St. Augustine.

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Active

Active·92 days on market·Courtney Oaks

140 Courtney Oaks Drive

St. Augustine, FL 32092

$1,037,000$415/sqftEst. $5,519/moMLS# 2139711

Beds

Baths

2,496

Sq Ft

2025

Built

Garage

Yes

Pool

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!

Cost to own

Mortgage calculator

Home Price

$1,037,000

Down Payment: 20%

$207,400

Interest Rate: 6.55%

Loan Term

Monthly Payment

$5,271

Principal & Interest: $5,271

Est. Taxes & Insurance: $1,318

Estimated Total Monthly

$6,589

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$5,519

Property taxesest. at asking price, St. Johns County$1,380

HOAbilled annually$142

Estimated total, before insurance$7,041/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

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

Year	Market value	Taxable value	Change
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: ~$16,600/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.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Apr 16, 2026Listed$1,037,000

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

Features

Price$1,037,000

Price / Sq Ft$415

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

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

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

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)