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This home is in Silverleaf Village, St. Augustine.

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Active

Active·51 days on market·Silverleaf Village

232 Creekmore Drive

St. Augustine, FL 32092

$434,900$254/sqftEst. $2,217/moMLS# 2149719

Beds

Baths

1,713

Sq Ft

2021

Built

Garage

Pool

About this home

Silverleaf Village

Shows like a Model! Luxury, comfort & thoughtful upgrades come together in this beautifully appointed 3-bedms, 2-bath home offering 1,713 sq ft in St. Augustine. Designed with elevated finishes throughout, this home features luxury vinyl plank flooring, tray ceilings, designer lighting, soft-close kitchen cabinetry, granite countertops, recessed lighting and a custom frosted engraved glass pantry door. The kitchen offers a polished, gourmet feel with quality cabinetry, stainless appliances and functional design. The owner's suite includes a spa-inspired bath with a rain-can shower, elegant tile details and a refined, relaxing feel. Enjoy Florida living from the screened lanai with sealed pavers and pre-plumbing for a future outdoor kitchen. Additional highlights include an epoxy garage floor, 3' extended garage, smart/structured wiring features, energy-efficient details and access to great community amenities. Move-in ready with style, comfort and upgrades already in place! A must see!

Cost to own

Mortgage calculator

Home Price

$434,900

Down Payment: 20%

$86,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,217

Principal & Interest: $2,217

Property taxes (est.): $579

Insurance (est.): $290

Estimated Total Monthly

$3,086

*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$2,217

Property taxesest. at asking price, St. Johns County$579

HOAbilled annually$104

Estimated total, before insurance$2,900/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,886/yr · $407/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

2025 property taxes (current owner): $4,886/yr

Estimated taxes if purchased at asking price: ~$6,900/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, 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.

Solar potential: ~1,763 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 14, 2026Price change$434,900−$5,000
Jun 10, 2026Listed$439,900

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

Features

Price$434,900

Price / Sq Ft$254

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,713

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address232 Creekmore Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilverleaf Village

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number98/22-51 SILVERLEAF VILLAGE LOT 463 OR5409/1427

Amenities

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

UtilitiesCable Available, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Ice Maker

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)