This home is in Silverleaf, St. Augustine.
Active·32 days on market·Silverleaf
331 Millerstone Drive
St. Augustine, FL 32092
About this home
Silverleaf
This house comes with a REDUCED RATE as low as 5.75% (APR 6.37%) as of 07/30/2026 through List & Lock™. This is a seller funded rate-buydown that reduces the buyer's interest rate and monthly payment. Terms apply, see disclosures for more information. Welcome to this beautifully designed 3-bedroom, 2.5-bath home in the highly sought-after SilverLeaf community! Featuring an open-concept floor plan ideal for both everyday living and entertaining, this home offers a spacious primary suite conveniently located on the first floor for added privacy. The main living areas and wet spaces showcase durable wood-look tile flooring, while the bedrooms provide the comfort of plush carpeting. Upstairs, you'll find a versatile loft perfect for a home office, media room, or play area. An extra-large laundry room adds exceptional functionality and storage. Enjoy all that SilverLeaf has to offer, including resort-style amenities, pools, parks, walking trails, and more--all with NO CDD fees.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Last sold: $497,000 in September 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $381,279 | $330,557 | — |
| 2024 | $379,907 | $329,907 | — |
| 2023 | $385,668 | $335,668 | — |
| 2022 | $84,000 | $84,000 | — |
| 2021 | $55,000 | $55,000 | — |
Estimated taxes if purchased at asking price: ~$7,000/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: ~1,672 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 homeAs 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 15, 2026Active$440,000
- Jul 13, 2026Active Under Contract$440,000
- Jul 9, 2026Pending$440,000
- Jun 30, 2026Listed$440,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Silverleaf
Silverleaf is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Silverleaf homes for sale →Listing Courtesy of: NEXTHOME ENDLESS SUMMER
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines