This home is in Silverleaf, St. Augustine.

Pending

Pending·64 days on market·Silverleaf

42 Ancient Springs Lane

St. Augustine, FL 32092

$504,010$211/sqftEst. $2,683/moMLS# 2145047

Beds

Baths

2,393

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

Elsner II J Lot 154

Cost to own

Mortgage calculator

Home Price

$504,010

Down Payment: 20%

$100,802

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,562

Principal & Interest: $2,562

Est. Taxes & Insurance: $640

Estimated Total Monthly

$3,202

*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$2,683

Property taxesest. at asking price, St. Johns County$671

HOAbilled annually$167

Estimated total, before insurance$3,520/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

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.

Features

Price$504,010

Price / Sq Ft$211

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,393

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

Property ConditionTo Be Built

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryMagnolia Oaks Academy

MiddleMagnolia Oaks Academy

HighTocoi Creek

Community Information

Address42 Ancient Springs Lane, 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, 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, Gated

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Tankless Water Heater

HeatingElectric, Heat Pump

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)