This home is in Silverleaf, St. Augustine.

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Pending

Pending·63 days on market·Silverleaf

121 Bedford Terrace

St. Augustine, FL 32092

$574,000$247/sqftEst. $3,055/moMLS# 2145310

Beds

Baths

2,324

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

New Toll Brothers home, ready now! Beautifully designed and thoughtfully appointed, the Osprey offers 4 bedrooms and 3 full bathrooms with an open, airy layout perfect for modern living. The spacious great room flows seamlessly onto a stunning covered lanai, creating an ideal indoor-outdoor living experience. The gourmet kitchen features a large center island with breakfast bar, abundant counter and cabinet space, casual dining area that feels welcoming. The primary suite is a true retreat, showcasing a large walk-in closet with dual vanities, an oversized shower, and a private water closet. Upstairs, a versatile loft connects the secondary bedrooms, each with walk-in closets and access to a well-appointed hall bath with dual sinks. No CDDs and access to SilverLeaf's resort style amenities. Schedule your private tour today!

Cost to own

Mortgage calculator

Home Price

$574,000

Down Payment: 20%

$114,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,918

Principal & Interest: $2,918

Est. Taxes & Insurance: $729

Estimated Total Monthly

$3,647

*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$3,055

Property taxesest. at asking price, St. Johns County$764

HOAbilled annually$100

Estimated total, before insurance$3,919/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

Year	Market value	Taxable value	Change
2025	$95,000	$95,000	—

Estimated taxes if purchased at asking price: ~$9,200/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.

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.