This home is in Silverleaf, St. Augustine.

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Active

Active·45 days on market·Silverleaf

282 Bedford Terrace 198

St. Augustine, FL 32092

$579,000$244/sqftEst. $2,943/moMLS# 2149094

Beds

Baths

2,373

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

The Sailor by Toll Brothers in Newbrook, offers a beautifully designed blend of style, comfort, and functionality. A striking two-story foyer welcomes you into an open-concept layout, leading to a spacious great room and casual dining area with a covered lanai, enhanced by a privacy wall and multi-slide doors for seamless indoor-outdoor living. The gourmet kitchen features an kitchen island, abundant cabinetry, wraparound counters, and a walk-in pantry. Elegant oak wood stairs add warmth and character. The primary suite boasts a large walk-in closet and a spa-like bath with dual vanities, a luxe shower, and private water closet. Upstairs, secondary bedrooms with walk-in closets and a versatile loft provide added space with ample storage throughout. No CDDs and access to SilverLeaf's resort style amenities. Schedule your private tour today!

Cost to own

Mortgage calculator

Home Price

$579,000

Down Payment: 20%

$115,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,943

Principal & Interest: $2,943

Property taxes (est.): $770

Insurance (est.): $386

Estimated Total Monthly

$4,099

*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$2,943

Property taxesest. at asking price, St. Johns County$770

HOAbilled annually$100

Estimated total, before insurance$3,813/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): $1,280/yr

Estimated taxes if purchased at asking price: ~$9,200/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