This home is in Silverleaf, St. Augustine.

1 / 65

Pending

Pending·63 days on market·Silverleaf

57 Cedar Elm Way

St. Augustine, FL 32092

$489,000$214/sqftEst. $2,603/moMLS# 2145265

Beds

Baths

2,284

Sq Ft

2023

Built

Garage

Pool

About this home

Silverleaf

Welcome to this beautifully maintained St. Johns County home in the Silverleaf community. Sellers offering $10,000 toward buyer closing costs, prepaids, or rate buy down with acceptable offer. No-CDD, Top rated schools, Golf cart community. This exquisitely designed 2-level Richmond American home comes with an oversized water lot backing to a catch-release pond, fountain views, 4 spacious bedrooms, and 3 baths. A beautiful open-concept main level is highlighted by an inviting gourmet kitchen, stainless steel appliances, quartz countertops, elegant white cabinets, walk-in pantry, large island with breakfast bar and plenty of room for social gatherings and entertaining. Matching quartz countertops in kitchen and all bathrooms. Sliding doors lead to a low-maintenance backyard - ideal for relaxing, pets, or a bit of gardening. Garage is equipped with extra bright LED shop lights and an overhead storage rack.

Cost to own

Mortgage calculator

Home Price

$489,000

Down Payment: 20%

$97,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,486

Principal & Interest: $2,486

Est. Taxes & Insurance: $621

Estimated Total Monthly

$3,107

*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$2,603

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

HOAbilled monthly$193

Estimated total, before insurance$3,446/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.

Cost to own

Taxes & assessment

Last sold: $502,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$393,414	$393,414	—
2024	$391,943	$391,943	—
2023	$44,800	$44,800	—
2022	$44,800	$44,800	—

2025 property taxes (current owner): $5,407/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.

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 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

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$489,000

Price / Sq Ft$214

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,284

Acres0.16 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Craftsman, Traditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Direction FacesSouth

Community Information

Address57 Cedar Elm Way, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,969.6 sq ft

Parcel Number0279841230

ZoningResidential

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Split System

# of Stories2

LevelsTwo

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

SecuritySmoke Detector(s)

Spa FeaturesBath