This home is in Silver Landing, St. Augustine.

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Active

Active·73 days on market·Silver Landing

495 Brandon Lakes Drive

St. Augustine, FL 32092

$306,900$212/sqftEst. $1,565/moMLS# 2144711

Beds

Baths

1,445

Sq Ft

2023

Built

Garage

Pool

About this home

Silver Landing

Skip the wait for builder-grade construction and move right into a cozy home that already feels custom designed with modern and thoughtful touches throughout! This Egret floor plan townhome in the established Silverleaf community, offers low-maintenance living with a comfortable layout. Filled with natural light, the open-concept layout features an upgraded 8' triple sliding glass door that seamlessly connects the main living area to the relaxing screened patio. The spacious main living area flows into the kitchen, highlighted by a large freestanding island ideal for gathering and everyday living. Upstairs, you'll find three generously sized bedrooms offering comfort and flexibility. Tucked in a master-planned community, residents enjoy resort-style amenities including pools, parks, playgrounds, sports fields, and scenic trails, all conveniently located near CR-210, I-95, shopping, dining, top-rated schools, and downtown St. Augustine.

Cost to own

Mortgage calculator

Home Price

$306,900

Down Payment: 20%

$61,380

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,565

Principal & Interest: $1,565

Property taxes (est.): $408

Insurance (est.): $205

Estimated Total Monthly

$2,178

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,565

Property taxesest. at asking price, St. Johns County$408

HOAbilled quarterly$129

Estimated total, before insurance$2,102/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,007/yr · $251/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $325,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$275,692	$186,508	—
2024	$277,529	$180,544	—
2023	$68,000	$66,000	—
2022	$60,000	$60,000	▼ $46,400

2025 property taxes (current owner): $3,007/yr

Estimated taxes if purchased at asking price: ~$4,900/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 2023)

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

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

May 14, 2026Listed$306,900

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

Features

Price$306,900

Price / Sq Ft$212

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,445

Acres0.05 acres

Year Built2023

TypeResidential

Sub-TypeTownhouse

StyleContemporary, Traditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMagnolia Oaks Academy

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address495 Brandon Lakes Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size2,178 sq ft

Parcel Number0279710740

ZoningResidential

Amenities

AmenitiesPool, Other, Basketball Court, Children's Pool, Clubhouse, Dog Park, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Available, Natural Gas Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingOther, Attached, Garage

ViewTrees/Woods

Interior

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

AppliancesOther, Dishwasher, Gas Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level