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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Silver Falls, St. Augustine — a new construction home in St. Johns County.

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Active

Active·8 days on market·Silver Falls

164 Suttons Bay Causeway

St. Augustine, FL 32092

$654,990$247/sqftEst. $3,599/mo mortgageMLS# 2147114
↓ $19,000 below original list
4
Beds
3
Baths
2,657
Sq Ft
2026
Built
3
Garage
No
Pool

42 more homes for sale in Silver Falls →Search Silver Falls on the map

FEMA Zone XHOA $144/mo7,405 sqft lotSingle Family Residence1 storyNew construction

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About this home

Silver Falls

Move In Ready! Introducing the Medallion Bonus Home by Lennar Homes! Experience the best of spacious, single-story living in this brand-new home featuring 4 bedrooms, 4 full baths, and an oversized bonus room with its own bathroom—perfect for guests, entertaining, or a private retreat. The upgraded gourmet kitchen showcases a cooktop, double ovens, and a large island, with a café area for casual meals and a separate dining room for special occasions. The expansive primary suite offers a relaxing escape with a spa-inspired bathroom. Enjoy the Florida lifestyle from the screened lanai, ideal for outdoor relaxation and entertaining. Complete with a 3-car garage and stylish upgrades throughout, this home delivers exceptional space, comfort, and versatility! (Conditions may apply)

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$3,599
Property taxesest. at asking price, St. Johns County$872
HOAbilled monthly$144
Estimated total, before insurance$4,615/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,212/yr · $101/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$654,990
$130,998
Loan Term
Monthly Payment
$3,599
Principal & Interest: $3,599
Property taxes (est.): $872
Insurance (est.): $437
Estimated Total Monthly
$4,908
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$90,000$90,000—
2024$70,000$70,000—

2025 property taxes (current owner): $1,212/yr

Estimated taxes if purchased at asking price: ~$10,500/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.

History

Price & status history

  • Oct 20, 2026Price change$654,990−$19,000
  • Oct 14, 2026Active$673,990
  • Jul 15, 2026Pending$673,990
  • May 26, 2026Listed$673,990

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $236/sq ft; this home is listed at $247/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
91 Grand Traverse Circle, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$552,490$2074/3.52,663490.3
66 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$487,990$2573/21,897860.4
63 Walloon Cove, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$442,490$2364/2.51,87510.4
57 Stiffs Mill Lane, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$612,990$2044/3.53,005490.5
262 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$579,990$2304/2.52,52100.5
85 Stiffs Mill Lane, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$478,990$2523/21,89710.5

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$654,990
Price / Sq Ft$247
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,657
Acres0.17 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address164 Suttons Bay Causeway, St. Augustine, FL 32092
Area305-World Golf Village Area-Central
SubdivisionSilver Falls
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size7,405.2 sq ft
Parcel Number0269410610

Amenities

AmenitiesPool, Clubhouse, Dog Park, Park, Playground, Tennis Court(s), Trash
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Patio, Screened
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedOctober 14, 2026
Days on Market149
HOA Fees$144 / Monthly
HOA FrequencyMonthly
Tax Amount$1,212.18
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: LENNAR REALTY INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Silver Falls

Silver Falls is a neighborhood in SilverLeaf, FL (St. Johns County), ZIP 32092.

View all Silver Falls homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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