Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Holly Forest, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·45 days on market·Holly Forest

191 Holly Forest Drive

St. Augustine, FL 32092

$487,000$210/sqftEst. $2,483/moMLS# 2151427

Beds

Baths

2,317

Sq Ft

2021

Built

Garage

Pool

About this home

Holly Forest

Beautifully upgraded and move-in ready, this 3-bedroom, 2.5-bath home is located in the desirable Holly Forest community of SilverLeaf, conveniently situated near CR 210 with easy access to 9B and I-95. Just steps from the Holly Forest amenity center, this home offers a thoughtfully designed floor plan and modern finishes throughout. The spacious family room features a custom-built electric fireplace, surround sound speakers, and a large pocket sliding glass door that opens to the covered lanai, creating an ideal space for indoor-outdoor living. The well-appointed kitchen includes white 42-inch cabinets, quartz countertops, a stylish backsplash, a large island with breakfast bar seating, and an adjacent dining area. Additional storage is available under the staircase. Upstairs, you'll find a loft area, a spacious primary suite with a garden tub, walk-in shower, dual vanity, and large walk-in closet. Two secondary bedrooms, a full hall bath, and a conveniently located laundry room

Cost to own

Mortgage calculator

Home Price

$487,000

Down Payment: 20%

$97,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,483

Principal & Interest: $2,483

Property taxes (est.): $648

Insurance (est.): $325

Estimated Total Monthly

$3,456

*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$2,483

Property taxesest. at asking price, St. Johns County$648

HOAbilled annually$100

Estimated total, before insurance$3,231/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

Year	Market value	Taxable value	Change
2025	$419,042	$348,417	—
2024	$415,480	$337,890	—
2023	$383,648	$326,592	—
2022	$365,623	$315,623	—
2021	$65,000	$65,000	—

Estimated taxes if purchased at asking price: ~$7,800/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.

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.

Likely sewer

County records indicate this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,718 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

Aug 3, 2026Price change$487,000−$7,900
Jul 20, 2026Price change$494,900−$5,000
Jun 19, 2026Listed$499,900

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

Features

Price$487,000

Price / Sq Ft$210

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,317

Acres0.13 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouthwest

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

Community Information

Address191 Holly Forest Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionHolly Forest

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size5,662.8 sq ft

Parcel Number0265521050

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryIn Unit

SecuritySmoke Detector(s)