This home is in Silver Falls, St. Augustine.

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Active

Active·77 days on market·Silver Falls

120 Ludington Parkway

St. Augustine, FL 32092

$477,990$252/sqftEst. $2,544/moMLS# 2142672

Beds

Baths

1,897

Sq Ft

2026

Built

Garage

Pool

About this home

Silver Falls

MOVE IN READY! Discover the Hailey II floor plan by Lennar Homes featuring 3 bedrooms, 2 bath and a 2-car garage. This home offers a beautiful Kitchen with Quartz countertops, 42'' cabinets, and stainless steel appliances including a gas range, double ovens, dishwasher, microwave, and refrigerator. Ceramic wood-look tile is featured in all wet areas and extends into the living, dining, study, and halls. Additional highlights include Quartz vanities, a pre-screened lanai, and a full sprinkler system. Enjoy confidence with a one-year builder warranty, dedicated customer service, and 24-hour emergency support. (Conditions may apply)

Cost to own

Mortgage calculator

Home Price

$477,990

Down Payment: 20%

$95,598

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,430

Principal & Interest: $2,430

Est. Taxes & Insurance: $607

Estimated Total Monthly

$3,037

*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$2,544

Property taxesest. at asking price, St. Johns County$636

HOAbilled monthly$144

Estimated total, before insurance$3,324/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	$90,000	$90,000	—

2025 property taxes (current owner): $1,212/yr

Estimated taxes if purchased at asking price: ~$7,600/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 2026)

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 30, 2026Listed$477,990

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

Features

Price$477,990

Price / Sq Ft$252

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,897

Acres0.11 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address120 Ludington Parkway, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Falls

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size4,791.6 sq ft

Lot Dimensions50X125

Parcel Number0269413160

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s), Trash

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)