This home is in Silverleaf, St. Augustine.

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Active

Active·62 days on market·Silverleaf

213 Pine Leaf Drive 175

St. Augustine, FL 32092

$589,000$278/sqftEst. $3,135/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

$589,000

Down Payment: 20%

$117,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,994

Principal & Interest: $2,994

Est. Taxes & Insurance: $748

Estimated Total Monthly

$3,742

*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$3,135

Property taxesest. at asking price, St. Johns County$784

HOAbilled annually$100

Estimated total, before insurance$4,019/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	$130,000	$130,000	—

Estimated taxes if purchased at asking price: ~$9,400/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

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.

History