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 waterfront home in St. Johns County.

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Pending

Pending·61 days on market·Silver Landing

531 Eagle Moon Lake Drive

St. Augustine, FL 32092

$650,000$258/sqftEst. $3,352/moMLS# 2149173

Beds

Baths

2,518

Sq Ft

2023

Built

Garage

Pool

About this home

Silver Landing

Like-new home with stunning pond views and a fully fenced backyard! This beautifully maintained home features a spacious 3-car garage with 8-foot garage doors and durable epoxy flooring. Step inside to 12-foot ceilings in the main living areas, enhanced by additional transom windows above the front entry and sliding glass doors that fill the home with natural light. The family room offers a warm and inviting atmosphere with an electric fireplace and custom built-in cabinetry. The open-concept floor plan is ideal for entertaining, providing seamless flow between the kitchen, dining area, family room, and screened lanai. The lanai is already pre-plumbed and equipped with a gas line, making it easy to add your dream summer kitchen. Easily cover the slider with a motorized solar shade. Retreat to the luxurious owner's suite, featuring a spa-like bath with a freestanding soaker tub, oversized walk-in shower, and generous vanity space. Vacant and move-in ready. Motivated seller.

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,352

Principal & Interest: $3,352

Property taxes (est.): $865

Insurance (est.): $433

Estimated Total Monthly

$4,650

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,352

Property taxesest. at asking price, St. Johns County$865

HOAbilled annually$100

Estimated total, before insurance$4,317/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,020/yr · $168/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: $12,618,800 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$130,000	$121,000	—
2024	$120,000	$110,000	—
2023	$100,000	$100,000	—

2025 property taxes (current owner): $2,020/yr

Estimated taxes if purchased at asking price: ~$10,400/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 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 11, 2026Pending$650,000
Jul 10, 2026Price change$650,000−$75,000
Jun 6, 2026Listed$725,000

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

Features

Price$650,000

Price / Sq Ft$258

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,518

Total Structure Area3,592 sq ft

Acres0.17 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontYes

School Information

ElementaryMagnolia Oaks Academy

MiddleMagnolia Oaks Academy

HighTocoi Creek

Community Information

Address531 Eagle Moon Lake Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0279722330

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDisposal, Dryer, Gas Cooktop, Ice Maker, Tankless Water Heater

HeatingCentral, Heat Pump

CoolingElectric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LaundryWasher Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)