This home is in St. Augustine.
Pending·63 days on market
438 Cherry Elm Drive
St. Augustine, FL 32092
About this home
St. Augustine
What's Special: Preserve View | Best Seller | Loft | Oversized Pantry. New Construction - September Completion! Built by America's Most Trusted Home Builder. Welcome to the Bellflower at 438 Cherry Elm Drive in Cherry Elm at SilverLeaf! This charming new townhome features a bright, open main level where the kitchen, dining area, and great room flow together seamlessly, creating a comfortable setting for everyday living and entertaining. The kitchen is enhanced with quartz countertops, a walk-in pantry, and a spacious island overlooking the main living area. Upstairs, the primary suite offers a well-appointed bath and walk-in closet, while two secondary bedrooms, a shared full bath, a flexible loft, and a conveniently located laundry room add versatility and ease. An outdoor lanai and a two-car garage complete this thoughtfully planned home.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: $7,541,900 in January 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $69,000 | $69,000 | — |
| 2024 | $68,000 | $63,800 | — |
| 2023 | $58,000 | $58,000 | — |
Estimated taxes if purchased at asking price: ~$5,700/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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,747 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 homeInformational 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: TAYLOR MORRISON REALTY OF FLA
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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