Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Silver Landing, St. Augustine — a home near Tocoi Creek High School.

1 / 48

Active

Active·89 days on market·Silver Landing

97 Oaklawn Court

St. Augustine, FL 32092

$545,000$240/sqftEst. $2,802/moMLS# 2147973

Beds

Baths

2,268

Sq Ft

2023

Built

Garage

Pool

About this home

Silver Landing

Welcome to 97 Oaklawn Ct, where upgraded design, incredible entertaining space, and modern convenience come together in the highly desirable Silver Landing community of Silverleaf. This beautifully appointed home is just a short walk from the brand-new K-8 Magnolia Oaks Academy and features a rare 3-car garage, offering exceptional storage and flexibility. At the heart of the home is a gorgeous gourmet kitchen featuring a gas range, double ovens, quartz countertops, and plenty of space for gathering. High-end details throughout include crown molding, 5-inch baseboards, tray ceilings, and thoughtfully selected finishes. The open-concept living area flows effortlessly outdoors through an impressive triple sliding glass door that opens fully to the screened lanai, creating the perfect indoor-outdoor living experience. With TV hookups already in place, the lanai is ready for game days, entertaining, or relaxing Florida evenings.

Cost to own

Mortgage calculator

Home Price

$545,000

Down Payment: 20%

$109,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,802

Principal & Interest: $2,802

Property taxes (est.): $725

Insurance (est.): $363

Estimated Total Monthly

$3,890

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,802

Property taxesest. at asking price, St. Johns County$725

HOAbilled annually$122

Estimated total, before insurance$3,649/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,543/yr · $379/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).

Cost to own

Taxes & assessment

Last sold: $530,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$497,670	$300,515	—
2024	$475,527	$286,346	—
2023	$110,000	$110,000	—
2022	$106,400	$106,400	—

2025 property taxes (current owner): $4,543/yr

Estimated taxes if purchased at asking price: ~$8,700/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 2023)

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.

History

Price & status history

Jul 31, 2026Price change$545,000−$4,000
May 31, 2026Listed$549,000

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

Features

Price$545,000

Price / Sq Ft$240

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,268

Acres0.19 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMagnolia Oaks Academy

MiddleMagnolia Oaks Academy

HighTocoi Creek

Community Information

Address97 Oaklawn Court, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,276.4 sq ft

Parcel Number0279715740

Amenities

AmenitiesPool, Clubhouse, Playground, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Gas Cooktop, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)