This home is in Holly Forest, St. Augustine.

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Active

Active·55 days on market·Holly Forest

198 Holly Forest Drive

St. Augustine, FL 32092

$485,000$238/sqftEst. $2,581/moMLS# 2146671

Beds

Baths

2,035

Sq Ft

2020

Built

Garage

Pool

About this home

Holly Forest

198 Holly Forest Drive -- Where Lifestyle Meets Location in Silverleaf Welcome to one of St. Johns County's most coveted addresses. This beautifully maintained 4-bedroom, 2.5-bath home offers the perfect marriage of modern design and effortless Florida living in the heart of the master-planned community of Silverleaf. Built in 2020 and spanning 2,035 square feet, this home was thoughtfully designed for the way people actually live. The open-concept main floor flows seamlessly from a chef-ready kitchen to dining to family room, making every gathering feel natural and every weeknight feel easy. A spacious first-floor primary suite offers the privacy and convenience today's buyers expect, while generous secondary bedrooms provide plenty of room to grow. Whether you're hosting Sunday dinners, helping with homework at the kitchen island, or simply enjoying a quiet evening in, this floor plan just works.

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,465

Principal & Interest: $2,465

Est. Taxes & Insurance: $616

Estimated Total Monthly

$3,081

*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$2,581

Property taxesest. at asking price, St. Johns County$645

HOAbilled annually$100

Estimated total, before insurance$3,327/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

Last sold: $498,000 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$436,535	$347,748	—
2024	$433,240	$337,240	—
2023	$375,961	$325,961	—
2022	$341,843	$248,704	—
2021	$290,004	$240,004	—

2025 property taxes (current owner): $5,179/yr

Estimated taxes if purchased at asking price: ~$7,700/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.

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 2020)

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: ~1,748 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

Jul 14, 2026Price change$485,000−$15,000
May 22, 2026Listed$500,000

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

Features

Price$485,000

Price / Sq Ft$238

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,035

Acres0.13 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address198 Holly Forest Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionHolly Forest

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size5,662.8 sq ft

Parcel Number0265521380

Amenities

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

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level