This home is in Holly Forest, St. Augustine.

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Active Under Contract

Active Under Contract·56 days on market·Holly Forest

323 Holly Forest Drive

St. Augustine, FL 32092

$455,000$224/sqftEst. $2,422/moMLS# 2146563

Beds

Baths

2,035

Sq Ft

2021

Built

Garage

Pool

About this home

Holly Forest

Tucked away on a cul-de-sac in the highly desirable SilverLeaf community of St. Johns County, this beautifully upgraded home offers a rare opportunity to enjoy resort-style living with NO CDD fees while still having access to all SilverLeaf amenities including pools, fitness center, walking trails, parks, and a community dog park. Designed with upgrades that stand out from typical builder finishes, the home features a truly elevated kitchen with enhanced cabinetry, designer details, upgraded fixtures, and finishes that make the space feel custom and unlike any other build in the community. The primary bathroom has also been thoughtfully upgraded with a luxurious, spa-inspired feel that sets it apart from neighboring homes. The open-concept layout is filled with natural light and offers both functionality and style for everyday living and entertaining. Conveniently located near top-rated St. Johns County schools, shopping, dining, Jacksonville, historic St. Augustine, and area beaches.

Cost to own

Mortgage calculator

Home Price

$455,000

Down Payment: 20%

$91,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,313

Principal & Interest: $2,313

Est. Taxes & Insurance: $578

Estimated Total Monthly

$2,891

*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$2,422

Property taxesest. at asking price, St. Johns County$605

HOAbilled annually$100

Estimated total, before insurance$3,127/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	$394,497	$279,396	—
2024	$391,183	$0	—
2023	$339,429	$114,979	—
2022	$343,664	$343,664	—
2021	$65,000	$65,000	—

2025 property taxes (current owner): $3,909/yr

Estimated taxes if purchased at asking price: ~$7,300/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 2021)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,662 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 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

Price & status history

May 21, 2026Listed$455,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$455,000

Price / Sq Ft$224

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,035

Total Structure Area2,668 sq ft

Acres0.18 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

Community Information

Address323 Holly Forest Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionHolly Forest

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,840.8 sq ft

Parcel Number0265521210

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Jogging Path, Park, Pickleball, Playground, Racquetball, Security, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesOther, Dishwasher, Gas Range, Microwave, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryUpper Level