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 Silverleaf Village, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·46 days on market·Silverleaf Village

160 Rose Dew Drive

St. Augustine, FL 32092

$450,000$225/sqftEst. $2,316/moMLS# 2152815

Beds

Baths

2,002

Sq Ft

2022

Built

Garage

Pool

About this home

Silverleaf Village

LIKE NEW!!! Priced to go. Beautiful 2000 sf single-family home for sale in the community of Silver Leaf; located in the desirable St Johns County. This property features 3 bedrooms, 2 bathrooms with an office, 2 car garage, all on a great waterfront lot and paver driveway Tile flooring throughout the main home, and carpet in the bedrooms. Enjoy a fully upgraded kitchen with large cabinets, stainless appliances, and GRANITE countertops. Master Bedroom has 2 walk-in closets and a meticulously upgraded bathroom featuring a luxury shower and stone counters with a modern floorpan and layout, this home is in mint condition. Minutes from the major shopping center Durbin Plaza and major highways. Amazing school district! Come view your new home today and enjoy the fantastic amenities this community offers!

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,316

Principal & Interest: $2,316

Property taxes (est.): $599

Insurance (est.): $300

Estimated Total Monthly

$3,215

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,316

Property taxesest. at asking price, St. Johns County$599

HOAbilled annually$133

Estimated total, before insurance$3,048/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,468/yr · $456/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).

Cost to own

Taxes & assessment

Last sold: $493,800 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$381,198	$381,198	—
2024	$417,053	$392,935	—
2023	$357,214	$357,214	—
2022	$100,800	$100,800	—
2021	$75,000	$71,025	—
2020	$26,500	$26,500	—

2025 property taxes (current owner): $5,468/yr

Estimated taxes if purchased at asking price: ~$7,200/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: material not specified — year not disclosed (home built 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,785 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