This home is in Silver Landing, St. Augustine.

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Pending

Pending·31 days on market·Silver Landing

365 Silver Lily Way

St. Augustine, FL 32092

$649,990$260/sqftEst. $3,460/moMLS# 2143494

Beds

Baths

2,500

Sq Ft

2025

Built

Garage

Pool

About this home

Silver Landing

*SAMPLE IMAGE*.The Avalon is a beautifully designed single story home with 2,500 square feet of comfortable living space, offering 4 bedrooms and 3 full bathrooms. Set in a natural gas community, this home combines everyday function with thoughtful upgrades throughout. The gourmet kitchen is the heart of the home, featuring a 30 inch gas cooktop, stainless steel hood, electric oven and microwave combo, dishwasher, and 42 inch cabinets topped with quartz countertops. It is built for both cooking and gathering. A triple sliding glass door fills the main living area with natural light and opens to a covered lanai, creating the perfect space for relaxing evenings or weekend get togethers. The corner homesite adds extra space and curb appeal, giving this home an even more inviting presence. The Avalon delivers the layout buyers want, the finishes they love, and the comfort they expect, all on one easy living level.

Cost to own

Mortgage calculator

Home Price

$649,990

Down Payment: 20%

$129,998

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,304

Principal & Interest: $3,304

Est. Taxes & Insurance: $826

Estimated Total Monthly

$4,130

*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$3,460

Property taxesest. at asking price, St. Johns County$865

HOAbilled monthly$122

Estimated total, before insurance$4,446/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	$117,000	$110,000	—
2024	$100,000	$100,000	—

2024 property taxes (current owner): $1,254/yr

Estimated taxes if purchased at asking price: ~$10,400/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 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.