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 Silverleaf, St. Augustine — a new construction home in St. Johns County.

1 / 20

Active

Active·107 days on market·Silverleaf

213 Pine Leaf Drive 175

St. Augustine, FL 32092

$579,000$274/sqftEst. $2,977/moMLS# 2145611

Beds

Baths

2,115

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

Behind the impressive gated entry to Newbrook, Toll Brothers' flagship community in St. Johns County, is this Oceana Modern Coastal, ready now for closing! The Oceana floorplan truly stands out for its sophisticated design and elevated living experience. From the moment you walk in, the open-concept layout creates a sense of space, natural light, and seamless flow that feels both elegant and inviting! The Oceana's kitchen is upgraded with a built-in oven and microwave, a 36'' five-burner gas cooktop, and quartz countertops. The great room opens to a cozy covered lanai and private backyard through a multi stacking glass door. The spacious owners' suite has a spa-like bath and walk in closet. There are three additional bedrooms, and two full baths. This home also includes a 10' ceilings on the main with 8' doors, a paver driveway and lanai, full-home gutters, a water-softener loop, smooth walls, and a Rinnai gas tankless water heater.

Cost to own

Mortgage calculator

Home Price

$579,000

Down Payment: 20%

$115,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,977

Principal & Interest: $2,977

Property taxes (est.): $770

Insurance (est.): $386

Estimated Total Monthly

$4,133

*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$2,977

Property taxesest. at asking price, St. Johns County$770

HOAbilled annually$100

Estimated total, before insurance$3,847/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$130,000	$130,000	—

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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

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

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