This home is in Creekside, St. Augustine — a waterfront home in St. Johns County.
Active Under Contract·127 days on market·Creekside
204 Silver Creek Place
St. Augustine, FL 32095
About this home
Creekside
Rare 10,000+ SQ FT oversized double lot with a brand-new sparkling pool and private preserve views! Welcome to ultimate turnkey luxury in the highly desirable Creekside at Twin Creeks community! This rare, premium property offers a massive 10,019 sq. ft. double lot, nearly twice the size of standard neighborhood lots, combining elite outdoor living with a beautifully upgraded, functional interior. Boasting brand-new flooring, fresh interior paint, and top-rated St. Johns County schools, this home is completely move-in ready with absolutely zero construction delays. The first floor delivers a seamless open-concept layout where the kitchen, dining, and family room flow directly out to your massive backyard oasis. Upstairs, the second floor serves as the family hub with 3 spacious bedrooms, 2 full bathrooms, a dedicated laundry room, and an open loft perfect for remote work or homework. The third floor offers a private flex suite, a legal 4th bedroom with closet ideal as a teen retreat
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $389,447 | $227,183 | — |
| 2024 | $403,602 | $220,073 | — |
| 2023 | $342,364 | $212,207 | — |
| 2022 | $333,812 | $204,570 | — |
| 2021 | $264,135 | $197,155 | — |
| 2020 | $244,706 | $193,243 | — |
2025 property taxes (current owner): $4,940/yr
Estimated taxes if purchased at asking price: ~$8,800/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 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,711 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 homeAs 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 26, 2026Active Under Contract$549,000
- Jul 31, 2026Price change$549,000−$11,000
- Jul 22, 2026Price change$560,000−$11,000
- Jul 16, 2026Price change$571,000−$4,000
- Apr 24, 2026Listed$575,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Creekside
Creekside is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
View all Creekside homes for sale →Listing Courtesy of: EXP REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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