This home is in Silverleaf, St. Augustine.

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Pending

Pending·49 days on market·Silverleaf

431 Pine Leaf Drive

St. Augustine, FL 32092

$865,000$300/sqftEst. $4,604/moMLS# 2147192

Beds

Baths

2,880

Sq Ft

2025

Built

Garage

Pool

About this home

Silverleaf

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.

Cost to own

Mortgage calculator

Home Price

$865,000

Down Payment: 20%

$173,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,397

Principal & Interest: $4,397

Est. Taxes & Insurance: $1,099

Estimated Total Monthly

$5,496

*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$4,604

Property taxesest. at asking price, St. Johns County$1,151

HOAbilled annually$100

Estimated total, before insurance$5,855/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	—

2025 property taxes (current owner): $2,085/yr

Estimated taxes if purchased at asking price: ~$13,800/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 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 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, 2026Pending$865,000
May 29, 2026Listed$865,000

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

Features

Price$865,000

Price / Sq Ft$300

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,880

Acres0.24 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryMagnolia Oaks Academy

MiddleMagnolia Oaks Academy

HighTocoi Creek

Community Information

Address431 Pine Leaf Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,454.4 sq ft

Parcel Number0107641550

Amenities

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

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

Water SourcePublic

ParkingAttached, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryIn Unit