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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in St. Augustine — a pool home in St. Johns County.

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Sold

Sold·Closed Aug 17, 2026·60 days on market·Recent sales in SilverLeaf

73 Arbor Creek Drive

St. Augustine, FL 32092

$1,400,000sold priceListed at $1,499,000 · 93.4% of asking$350/sqftMLS# 2150169
5
Beds
4.5
Baths
4,005
Sq Ft
2025
Built
3
Garage
Yes
Pool
FEMA Zone XHOA $154/mo13,068 sqft lotSingle Family Residence2 stories

About this home

St. Augustine

Situated on an 80-foot-wide lot in the gated Hidden Creek community of SilverLeaf, this beautifully appointed MasterCraft ''Harper'' floor plan offers the perfect blend of luxury, comfort, and resort-style outdoor living with no CDD fees. Designed for both everyday enjoyment and entertaining, the property features a first floor owner's suite plus additional first floor guest suite, screen-enclosed pool and spa, outdoor kitchen, fire pit gathering area, and professionally landscaped backyard with privacy fencing. Inside, thoughtfully designed living spaces are complemented by custom storage solutions and luxury finishes throughout. Just minutes from neighborhood amenity center, St. Augustine's beaches, shopping, dining, and historic attractions, this home presents an exceptional opportunity in one of the area's most desirable neighborhoods.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$7,755
Property taxesest. at asking price, St. Johns County$1,863
HOAbilled annually$154
Estimated total, before insurance$9,772/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,155/yr · $180/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,400,000
$280,000
Loan Term
Monthly Payment
$7,755
Principal & Interest: $7,755
Property taxes (est.): $1,863
Insurance (est.): $933
Estimated Total Monthly
$10,551
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2025)

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$160,000$160,000—

2025 property taxes (current owner): $2,155/yr

Estimated taxes if purchased at asking price: ~$22,400/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.

History

Price & status history

  • Aug 17, 2026Closed$1,499,000
  • Aug 10, 2026Pending$1,499,000
  • Jul 15, 2026Active Under Contract$1,499,000
  • Jun 11, 2026Listed$1,499,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $336/sq ft; this home is listed at $374/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
94 Blue River Drive, St. Augustine, FL 32092Listed by RICK WOOD & ASSOCIATES INCSep 2026$859,900$2744/33,1401260.1
329 Arbor Creek Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$1,230,800$3085/4.53,996240.2
141 Chestnut Oak Road, St. Augustine, FL 32092Listed by ICI SELECT REALTY, INC.Sep 2026$1,458,064$3674/4.53,96900.3
53 Glenbriar Court, St. Augustine, FL 32092Listed by KARSTEN REAL ESTATE TEAMSep 2026$932,000$3284/32,843610.4
56 Glenbriar Court, St. Augustine, FL 32092Listed by ICI SELECT REALTY, INC.Aug 2026$1,370,247$3894/4.53,52500.4
23 Pine Grove Point, St. Augustine, FL 32092Listed by PERRY HOMESSep 2026$1,178,900$3363/3.53,5081780.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,499,000
Price / Sq Ft$374
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage4,005
Acres0.30 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Heated, Salt Water
Is WaterfrontNo

Community Information

Address73 Arbor Creek Drive, St. Augustine, FL 32092
Area304- 210 South
SubdivisionSilverleaf
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size13,068 sq ft
Parcel Number0099840050

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
UtilitiesNatural Gas Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewProtected Preserve

Interior

Interior FeaturesGuest Suite, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDryer, Gas Cooktop, Gas Water Heater, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Wood
# of Stories2
LevelsTwo
LaundryLower Level
Spa FeaturesIn Ground

Exterior

Exterior FeaturesFire Pit, Outdoor Kitchen
FencingBack Yard

Additional Information

Date ListedJune 12, 2026
Days on Market60
HOA Fees$1,850 / Annually
HOA FrequencyAnnually
Tax Amount$2,154.97
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 17, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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