This home is in Silver Falls, St. Augustine.

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Active

Active·44 days on market·Silver Falls

99 Ludington Parkway

St. Augustine, FL 32092

$464,990$248/sqftEst. $2,371/moMLS# 2149792

Beds

Baths

1,875

Sq Ft

2026

Built

Garage

Pool

About this home

Silver Falls

Under Construction: Ready October 2026! Welcome to Lennar Homes- Kate floor plan featuring 4 bedrooms, 2 bathrooms, 1 half bathroom and a 2-car garage. This home includes white cabinets with white quartz kitchen countertops, 42'' upper cabinets, and Frigidaire stainless steel appliances: range, dishwasher, microwave, and refrigerator. Ceramic wood tile is installed in wet areas and extended into the family, dining, and hallways. Additional features include quartz vanities, window blinds throughout, a screened lanai, and a sprinkler system. St. Augustine offers a unique lifestyle that blends historic charm, coastal beauty, and a relaxed yet vibrant atmosphere. As the nation's oldest city, it's rich in Spanish Colonial architecture, cobblestone streets, and centuries-old landmarks, complemented by a lively arts scene, unique shops, and diverse dining options. Includes a one-year builder warranty, dedicated customer service program, and 24-hour emergency service. (Conditions may apply)

Cost to own

Mortgage calculator

Home Price

$464,990

Down Payment: 20%

$92,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,371

Principal & Interest: $2,371

Property taxes (est.): $619

Insurance (est.): $310

Estimated Total Monthly

$3,300

*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$2,371

Property taxesest. at asking price, St. Johns County$619

HOAbilled monthly$144

Estimated total, before insurance$3,134/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,212/yr · $101/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).

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

Price & status history

Jun 10, 2026Listed$464,990

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

Features

Price$464,990

Price / Sq Ft$248

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,875

Acres0.11 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address99 Ludington Parkway, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Falls

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size4,791.6 sq ft

Parcel Number000

Amenities

AmenitiesPool, Clubhouse, Playground, Tennis Court(s), Trash

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

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)