Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Silverleaf, St. Augustine.

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Active

Active·115 days on market·Silverleaf

225 Millerstone Drive

St. Augustine, FL 32092

$489,000$219/sqftEst. $2,514/moMLS# 2143801

Beds

Baths

2,231

Sq Ft

2022

Built

Garage

Pool

About this home

Silverleaf

OPEN HOUSE THIS SATURDAY 07/25 11AM-1PM!!! YOUR SEARCH ENDS HERE! Welcome to resort-style living (with NO CDD FEES!) in gorgeous SilverLeaf -- a golf cart friendly community within a conservation-focused setting. Walking distance to the Amenity Center? Check. Walking distance to SilverLeaf Plaza? Check. Playground & green space across the street? Yes! This PRISTINE, move-in-ready home shows like new and feels even better. Standout curb appeal welcomes you with beautiful landscaping, custom hardscape, and lava gray pebbles. A grand soaring entryway greets you inside, where bright, open spaces and natural light flood the home. The spacious great room flows perfectly into the kitchen for effortless entertaining. The kitchen is a showstopper featuring an elegantly angled & curved island (with tons of extra storage), quartz counters, tile backsplash, gas cooktop with double oven, stainless steel appliances, and a large walk-in pantry!

Cost to own

Mortgage calculator

Home Price

$489,000

Down Payment: 20%

$97,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,514

Principal & Interest: $2,514

Property taxes (est.): $651

Insurance (est.): $326

Estimated Total Monthly

$3,491

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$2,514

Property taxesest. at asking price, St. Johns County$651

HOAbilled annually$100

Estimated total, before insurance$3,265/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, 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.

Cost to own

Taxes & assessment

Last sold: $458,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$399,689	$0	—
2024	$392,159	$0	—
2023	$398,298	$0	—
2022	$84,000	$84,000	—
2021	$55,000	$55,000	—

2025 property taxes (current owner): $334/yr

Estimated taxes if purchased at asking price: ~$7,800/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 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,672 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 home

As 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

Jul 23, 2026Price change$489,000−$10,000
May 6, 2026Listed$499,000

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

Features

Price$489,000

Price / Sq Ft$219

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,231

Acres0.11 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address225 Millerstone Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size4,791.6 sq ft

Parcel Number0265691650

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesGas Range, Microwave, Refrigerator

HeatingCentral, Natural Gas

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup