This home is in St. Augustine — a waterfront home in St. Johns County.
Sold·Closed Aug 5, 2026·61 days on market·Recent sales in SilverLeaf
10111 County Road 13 N
St. Augustine, FL 32092
About this home
St. Augustine
Indulge in the ultimate riverfront lifestyle with this majestic 5-bedroom, 3-bathroom estate, perfectly positioned on the peaceful banks of the St. Johns River. A true masterpiece for the water enthusiast, this property features fully navigable water frontage and a private dock, offering an effortless gateway for boating, jet skiing, or premier river fishing. Constructed with peace of mind in mind, the home is built 3 feet above the water line, ensuring elevated, sweeping views while providing superior protection and coastal resilience.
Next steps in SilverLeaf
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,403 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $634,212 | $545,778 | — |
| 2025 | $1,575 | $1,575 | — |
| 2024 | $673,083 | $529,689 | — |
| 2024 | $1,575 | $1,575 | — |
| 2023 | $746,980 | $512,090 | — |
| 2023 | $1,575 | $1,575 | — |
| 2022 | $661,664 | $495,718 | — |
| 2022 | $1,575 | $1,575 | — |
| 2021 | $97,838 | $97,838 | — |
| 2021 | $1,575 | $1,575 | — |
| 2020 | $78,946 | $71,620 | — |
| 2020 | $1,575 | $1,575 | — |
2025 property taxes (current owner): $7,846/yr
Estimated taxes if purchased at asking price: ~$16,800/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.
History
Price & status history
- Aug 10, 2026Closed$1,050,000
- Apr 30, 2026Listed$1,050,000
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 $423/sq ft; this home is listed at $357/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 227 River Forest Lane, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $925,000 | $423 | 3/2 | 2,189 | 136 | 0.5 |
| 9551 County Road 13 N, St. Augustine, FL 32092Listed by RE/MAX UNLIMITED | Mar 2026 | $1,150,000 | $468 | 4/2.5 | 2,458 | 0 | 1 |
| 124 River Plantation Road N, St. Augustine, FL 32092Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $1,250,000 | $370 | 4/2.5 | 3,375 | 23 | 1.4 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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.
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Krista Fracke
Broker Associate
This home sold on Aug 5, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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