This home is in Silverleaf, St. Augustine.

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Active

Active·45 days on market·Silverleaf

290 Bedford Terrace 197

St. Augustine, FL 32092

$589,000$253/sqftEst. $2,994/moMLS# 2149085

Beds

Baths

2,324

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

The Osprey floor plan by Toll Brothers showcases a thoughtful 2 story layout that blends comfort, style, and functionality. This designer-curated home features warm, transitional finishes with a refined aesthetic, creating an inviting yet elegant atmosphere throughout. The open-concept design centers on a spacious great room that seamlessly flows into the dining area and enhanced gourmet kitchen, complete with upgraded cabinetry for both everyday living and entertaining. A multi-slider glass door extends the living space outdoors to a covered lanai, enhanced with a privacy wall for added seclusion and relaxation. The owner's suite offers a serene retreat with a luxurious shower and generous walk-in closet, loft for a home office or flex space. Enhanced with a main staircase upgrade and premium finishes, this home delivers sophisticated Florida living with effortless indoor-outdoor living. With no CDD fees and access to resort style amenities!

Cost to own

Mortgage calculator

Home Price

$589,000

Down Payment: 20%

$117,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,994

Principal & Interest: $2,994

Property taxes (est.): $784

Insurance (est.): $393

Estimated Total Monthly

$4,170

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,994

Property taxesest. at asking price, St. Johns County$784

HOAbilled annually$100

Estimated total, before insurance$3,878/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	$95,000	$95,000	—

2025 property taxes (current owner): $1,010/yr

Estimated taxes if purchased at asking price: ~$9,400/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 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.

History