This home is in Silverleaf, St. Augustine.

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Pending

Pending·87 days on market·Silverleaf

339 Bedford Terrace 118

St. Augustine, FL 32092

$579,000$249/sqftEst. $3,082/moMLS# 2141025

Beds

Baths

2,324

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

THIS HOME IS READY NOW! New Toll Brothers home, ready now! The Osprey Modern Coastal delivers the quality and craftsmanship America's Luxury Home Builder is known for, wrapped in a fresh coastal aesthetic that instantly feels like home. Step inside to a showstopping two-story foyer framed by an open railing staircase a dramatic first impression that sets the tone throughout. The open layout flows into an expansive great room and gourmet kitchen with designer cabinetry, quartz countertops, and stainless steel appliances. A main-floor bedroom and full bath add everyday versatility. Upstairs, the generous primary suite offers a spa-inspired bath and walk-in closet, with a secluded loft and two additional bedrooms rounding out the upper level. Enjoy the covered lanai, a great sized backyard, and all that SilverLeaf's resort-style amenities have to offer with No CDDs. Schedule your tour today!

Cost to own

Mortgage calculator

Home Price

$579,000

Down Payment: 20%

$115,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,943

Principal & Interest: $2,943

Est. Taxes & Insurance: $736

Estimated Total Monthly

$3,679

*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$3,082

Property taxesest. at asking price, St. Johns County$770

HOAbilled annually$100

Estimated total, before insurance$3,952/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

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

Estimated taxes if purchased at asking price: ~$9,200/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.