This home is in St. Augustine — a gated community home in St. Johns County.
Sold·Closed Aug 24, 2026·28 days on market·Recent sales in SilverLeaf
431 Pine Leaf Drive
St. Augustine, FL 32092
About this home
St. Augustine
Why wait for new construction when everything has already been done for you, and done better? Built by Toll Brothers on a premium lot in Silverleaf, this stunning 4 bedroom 3 bathroom Bellflower with flex room boasts over $130,000 in builder and post close upgrades that elevate every room from impressive to extraordinary. The kitchen delivers on every level with upgraded soft close cabinetry, quartz countertops, farm sink, wall ovens, custom island lighting, under counter lighting, upgraded hood, and custom pantry shelving. The great room flows seamlessly into dining with LVP flooring throughout main living areas, a custom built bar with quartz countertops, motorized blinds, custom fixtures, and pre wired TV blocking. The screened lanai extends it all outdoors with recessed lighting, ceiling fans, and a wall mounted TV hookup.
Next steps in SilverLeaf
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2025)
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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $130,000 | $130,000 | — |
2025 property taxes (current owner): $2,085/yr
Estimated taxes if purchased at asking price: ~$13,700/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.
History
Price & status history
- Aug 24, 2026Closed$865,000
- Jul 14, 2026Pending$865,000
- May 29, 2026Listed$865,000
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 $231/sq ft; this home is listed at $300/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 290 Bedford Terrace, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLC | Sep 2026 | $550,000 | $237 | 4/3 | 2,324 | 66 | 0.2 |
| 80 Lucia Place, St. Augustine, FL 32092Listed by WEEKLEY HOMES REALTY | Sep 2026 | $673,395 | $220 | 5/3.5 | 3,060 | 0 | 0.7 |
| 107 Webking Heights Drive, St. Augustine, FL 32092Listed by WEEKLEY HOMES REALTY | Sep 2026 | $575,000 | $241 | 3/2.5 | 2,385 | 106 | 0.7 |
| 97 Webking Heights Drive, St. Augustine, FL 32092Listed by WEEKLEY HOMES REALTY | Sep 2026 | $553,920 | $231 | 4/3 | 2,395 | 53 | 0.7 |
| 42 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Sep 2026 | $499,990 | $221 | 4/3.5 | 2,263 | 15 | 0.9 |
| 200 Chestnut Grove Road, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $532,000 | $213 | 4/3 | 2,500 | 143 | 1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COMPASS FLORIDA LLC
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.
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Krista Fracke
Broker Associate
This home sold on Aug 24, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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