This home is in Silverleaf, St. Augustine.

Pending

Pending·74 days on market·Silverleaf

191 Lucia Place

St. Augustine, FL 32092

$640,835$261/sqftEst. $3,257/moMLS# 2144375

Beds

Baths

2,455

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

Hollinger B Lot 28

Cost to own

Mortgage calculator

Home Price

$640,835

Down Payment: 20%

$128,167

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,257

Principal & Interest: $3,257

Property taxes (est.): $853

Insurance (est.): $427

Estimated Total Monthly

$4,537

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,257

Property taxesest. at asking price, St. Johns County$853

HOAbilled annually$167

Estimated total, before insurance$4,277/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.

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 2026)

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

Solar potential: ~1,666 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

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.

Features

Price$640,835

Price / Sq Ft$261

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,455

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

Property ConditionTo Be Built

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

Community Information

Address191 Lucia Place, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number00000000

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Gated, Maintenance Grounds, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, Construction, Doors, Exposure/Shade, HVAC, Insulation, Lighting, Roof, Water Heater, Windows

ParkingGarage, Garage Door Opener, Guest

Waterfront TypePond