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This home is in Silver Meadows, St. Augustine — a new construction home in St. Johns County.

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Sold

Sold·Closed Aug 31, 2026·52 days on market·Recent sales in Silver Meadows·Silver Meadows

20 Stiffs Mill Lane

St. Augustine, FL 32092

$514,990sold priceListed at $501,990 · 102.6% of asking$254/sqftMLS# 2152076

Beds

3.5

Baths

2,028

Sq Ft

2026

Built

Garage

Pool

19 more homes for sale in Silver Meadows →Search Silver Meadows on the map

FEMA Zone XHOA $154/mo7,841 sqft lotWaterfrontSingle Family Residence1 storyNew construction

About this home

Silver Meadows

MOVE IN READY! Introducing the Trevi -floor plan by Lennar Homes, offering 4 bedrooms, 3 bathrooms, and a 2-car garage. This well-appointed home features a gourmet kitchen with white cabinets, white quartz countertops, and 42'' upper cabinets, along with Frigidaire stainless steel appliances including a gas range, dishwasher, microwave, and refrigerator. Ceramic wood-look tile is installed in wet areas and extended into the family room, dining area, and hallways. Additional highlights include quartz vanities, a water heater, window blinds throughout, a screened lanai, and a full sprinkler system. Enjoy added peace of mind with a one-year builder warranty, a dedicated customer service program, and 24-hour emergency service. (Conditions may apply)

Next steps in Silver Meadows

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$2,853

Property taxesest. at asking price, St. Johns County$685

HOAbilled monthly$154

Estimated total, before insurance$3,692/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,280/yr · $107/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

Home Price

$514,990

Down Payment: 20%

$102,998

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,853

Principal & Interest: $2,853

Property taxes (est.): $685

Insurance (est.): $343

Estimated Total Monthly

$3,881

*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.

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

Sep 14, 2026Closed$501,990
Aug 17, 2026Pending$501,990
Jul 28, 2026Price change$501,990−$20,000
Jul 27, 2026Price change$521,990−$20,000
Jul 17, 2026Price change$541,990+$27,000
Jun 24, 2026Listed$514,990

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 $236/sq ft; this home is listed at $248/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
66 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Oct 2026	$487,990	$257	3/2	1,897	86	0.1
262 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Sep 2026	$579,990	$230	4/2.5	2,521	0	0.1
85 Stiffs Mill Lane, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Sep 2026	$478,990	$252	3/2	1,897	1	0.1
101 Stiffs Mill Lane, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Sep 2026	$492,990	$218	4/3.5	2,263	35	0.1
42 Hasler Avenue, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Sep 2026	$499,990	$221	4/3.5	2,263	15	0.1
63 Walloon Cove, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Sep 2026	$442,490	$236	4/2.5	1,875	1	0.2

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$501,990

Price / Sq Ft$248

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,028

Acres0.18 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUnder Construction

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Community Information

Address20 Stiffs Mill Lane, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Meadows

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,840.8 sq ft

Parcel Number000

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, 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

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchFront Porch, Patio, Screened

RoofShingle

ConstructionFiber Cement, Frame

Road SurfaceAsphalt

Additional Information

Date ListedJune 24, 2026

Days on Market52

HOA Fees$154 / Monthly

HOA FrequencyMonthly

Tax Amount$1,279.52

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: LENNAR REALTY INC

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.

The neighborhood

About Silver Meadows

Silver Meadows is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.

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