This home is in Evergreen Island at Silverleaf, St. Augustine.

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Pending

Pending·44 days on market·Evergreen Island at Silverleaf

149 Lucia Place

St. Augustine, FL 32092

$620,340$259/sqftEst. $3,163/moMLS# 2150559

Beds

Baths

2,395

Sq Ft

2026

Built

Garage

Pool

About this home

Evergreen Island at Silverleaf

Looking for the best value in Silverleaf? Welcome to Evergreen Island, a gated community that offers the rare combination of NO CDD fees, resort-style amenities, and unmatched convenience--all within one of Northeast Florida's most desirable master-planned communities. Residents enjoy incredible amenities, scenic walking trails, parks, and recreation, along with shopping, dining, and everyday conveniences located right within the SilverLeaf community. Plus, Evergreen Island is ideally situated just 20 minutes from Mayo Clinic and approximately 25-30 minutes from the beautiful Atlantic beaches, making it easy to enjoy both work and play. Now available is our stunning new Danielle floor plan located at 149 Lucia Place on a quiet cul-de-sac homesite backing to peaceful wooded views. This thoughtfully designed two-story home offers 2,395 square feet, 4 bedrooms, 3 baths, and a 2-car garage, providing the perfect balance of space, comfort, and style.

Cost to own

Mortgage calculator

Home Price

$620,340

Down Payment: 20%

$124,068

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,163

Principal & Interest: $3,163

Property taxes (est.): $826

Insurance (est.): $414

Estimated Total Monthly

$4,402

*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$3,163

Property taxesest. at asking price, St. Johns County$825

HOAbilled annually$167

Estimated total, before insurance$4,155/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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.

Solar potential: ~1,666 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 26, 2026Pending$620,340
Jun 14, 2026Listed$620,340

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

Features

Price$620,340

Price / Sq Ft$259

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,395

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

Property ConditionTo Be Built

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryMagnolia Oaks Academy

MiddleMagnolia Oaks Academy

HighTocoi Creek

Community Information

Address149 Lucia Place, St. Augustine, FL 32092

Area304- 210 South

SubdivisionEvergreen Island at Silverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number00000000

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Gated, Maintenance Grounds, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, Construction, Doors, Exposure/Shade, HVAC, Insulation, Lighting, Roof, Water Heater, Windows

ParkingGarage, Garage Door Opener, Gated

Interior

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

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Tankless Water Heater

HeatingElectric, Heat Pump

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)