This home is in Holly Forest, St. Augustine.

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Active

Active·45 days on market·Holly Forest

250 Holly Forest Drive

St. Augustine, FL 32092

$520,000$208/sqftEst. $2,651/moMLS# 2149475

Beds

Baths

2,495

Sq Ft

2021

Built

Garage

Pool

About this home

Holly Forest

Welcome to 250 Holly Forest Drive in the highly sought-after SilverLeaf community! This beautifully designed 4-bedroom, 3-bath home offers an exceptional open-concept layout and stunning lagoon water views. From the moment you step into the grand foyer, you'll appreciate the soaring ceilings, elegant flooring, and abundant natural light throughout. The heart of the home features a spacious living and dining area that seamlessly flows into the gourmet kitchen, complete with stainless steel appliances, quartz countertops, a gas cooktop, large center island and breakfast bar that's perfect for entertaining family and friends. A convenient first-floor guest bedroom and full bath provide flexibility for visitors or a home office. Upstairs, the generous owner's suite overlooks the tranquil lagoon and features a luxurious en-suite bath with dual vanities, an oversized walk-in shower and ample closet space. Two additional bedrooms, a full guest bath, and a laundry room with washer & dryer.

Cost to own

Mortgage calculator

Home Price

$520,000

Down Payment: 20%

$104,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,651

Principal & Interest: $2,651

Property taxes (est.): $692

Insurance (est.): $347

Estimated Total Monthly

$3,690

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,651

Property taxesest. at asking price, St. Johns County$692

HOAbilled annually$104

Estimated total, before insurance$3,448/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,317/yr · $526/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

Year	Market value	Taxable value	Change
2025	$444,255	$444,255	—
2024	$440,527	$440,527	—
2023	$407,302	$407,302	—
2022	$388,250	$388,250	—
2021	$65,000	$65,000	—

2025 property taxes (current owner): $6,317/yr

Estimated taxes if purchased at asking price: ~$8,300/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 2021)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,776 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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 9, 2026Price change$520,000−$9,000
Jun 8, 2026Listed$529,000

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

Features

Price$520,000

Price / Sq Ft$208

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,495

Acres0.13 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

HighTocoi Creek

Community Information

Address250 Holly Forest Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionHolly Forest

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size5,662.8 sq ft

Parcel Number0265521310

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewWater

Waterfront TypeLagoon

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air, Electric

# of Stories2

LevelsTwo

LaundryUpper Level