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 Courtney Oaks, St. Augustine — a gated community home in St. Johns County.

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Active

Active·110 days on market·Courtney Oaks

268 Pine Grove Point

St. Augustine, FL 32092

$1,054,500$295/sqftEst. $5,421/moMLS# 2145011

Beds

Baths

3,576

Sq Ft

2026

Built

Garage

Pool

About this home

Courtney Oaks

Brand new home in Courtney Oaks at SilverLeaf. A coastal feel from the outside in to reflect a true Florida lifestyle. A courtyard 2 car garage and a single garage with a separate entry provides for gorgeous curb appeal and ample driveway space. Walking through the double door front entry, you are greeted by 11' ceilings and a flex room off the foyer- makes for a great home office. The family room features built ins with tons of cabinet and drawer storage. A gourmet open concept kitchen featuring white cabinets, quartz countertops, under cabinet lighting, and a vented hood to the outside is the perfect set up. Windows and a slider across the back of the house allow for an abundance of natural light. The owners suite is located on the first floor with a bay window and luxurious bathroom with a fully tiled walk in shower and a soaker tub, and a walk in closet the size of a bedroom! Upstairs includes a bonus room with a wet bar set up and 3 secondary bedrooms- all w/walk-in closets

Cost to own

Mortgage calculator

Home Price

$1,054,500

Down Payment: 20%

$210,900

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,421

Principal & Interest: $5,421

Property taxes (est.): $1,403

Insurance (est.): $703

Estimated Total Monthly

$7,527

*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$5,421

Property taxesest. at asking price, St. Johns County$1,403

HOAbilled annually$100

Estimated total, before insurance$6,924/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.

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 F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — year not disclosed (home built 2026)

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