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, St. Augustine — a gated community home in St. Johns County.

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Active

Active·46 days on market·Silverleaf

483 Courtney Chase Drive

St. Augustine, FL 32092

$699,000$244/sqftEst. $3,590/moMLS# 2154237

Beds

Baths

2,861

Sq Ft

2023

Built

Garage

Pool

About this home

Silverleaf

Welcome to one of the most sought-after floor plans in SilverLeaf--the highly desirable ICI Homes Serena, a model that is no longer being built, making this a rare opportunity to own a truly exceptional home. Located in the gated community of Courtney Chase, this meticulously maintained 5-bedroom, 4-bathroom home also features a dedicated home office/flex space, offering the ideal layout for today's lifestyle. Designed with 10-foot ceilings, an open-concept floor plan, and generous living spaces, this home is perfect for multigenerational living, growing families, or anyone needing flexibility to work from home. The spacious kitchen flows seamlessly into the main living and dining areas, creating the perfect space for entertaining or everyday living. Step outside to the oversized screened lanai overlooking a fully fenced backyard with plenty of room to design and build your dream pool. Enjoy the best of SilverLeaf living with access to both resort-style amenity centers

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,590

Principal & Interest: $3,590

Property taxes (est.): $930

Insurance (est.): $466

Estimated Total Monthly

$4,986

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,590

Property taxesest. at asking price, St. Johns County$930

HOAbilled annually$100

Estimated total, before insurance$4,620/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,381/yr · $698/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: $660,000 in June 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$717,321	$699,321	—
2023	$120,000	$120,000	▼ $20,000
2022	$39,200	$39,200	—

2025 property taxes (current owner): $8,381/yr

Estimated taxes if purchased at asking price: ~$11,200/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 (2024), 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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — year not disclosed (home built 2023)

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

Jul 7, 2026Listed$699,000

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

Features

Price$699,000

Price / Sq Ft$244

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,861

Acres0.16 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

Community Information

Address483 Courtney Chase Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,969.6 sq ft

Parcel Number0103622140

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Pickleball, Playground, Tennis Court(s)

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

Water SourcePublic

ParkingGarage

Interior

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

AppliancesDisposal, Electric Oven, Electric Range, Freezer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

SecuritySecurity Gate, Smoke Detector(s)