This home is in Courtney Oaks, St. Augustine.

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Active·45 days on market·Courtney Oaks

156 Courtney Oaks Drive

St. Augustine, FL 32092

$755,990$300/sqftEst. $3,855/moMLS# 2150120

Beds

Baths

2,517

Sq Ft

2026

Built

Garage

Pool

About this home

Courtney Oaks

TO BE BUILT - build your dream home with Ashley Homes in the highly sought-after SilverLeaf community. Personalize one of our thoughtfully designed floorplans and select from a wide range of finishes and options to create a home that fits your lifestyle. Ashley Homes in Courtney Oaks includes an impressive lineup of upscale standard features, including smooth drywall finishes, 8' interior doors, 3 cm quartz countertops, 42'' cabinetry in multiple color selections, under-cabinet lighting, exterior vinyl soffit lighting, and more. Every home also includes a paver driveway, walkway, patio, and covered lanai for added curb appeal and outdoor living space. Located in a natural gas community, homes in SilverLeaf are equipped with a gas cooktop, tankless water heater, and both gas and electric dryer connections for convenience and efficiency.

Cost to own

Mortgage calculator

Home Price

$755,990

Down Payment: 20%

$151,198

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,855

Principal & Interest: $3,855

Property taxes (est.): $1,006

Insurance (est.): $504

Estimated Total Monthly

$5,365

*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$3,855

Property taxesest. at asking price, St. Johns County$1,006

HOAbilled annually$100

Estimated total, before insurance$4,961/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.

Cost to own

Taxes & assessment

Last sold: $5,040,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$225,000	$225,000	—
2024	$225,000	$225,000	—
2023	$140,000	$140,000	—
2022	$39,200	$39,200	—

Estimated taxes if purchased at asking price: ~$12,100/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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — 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