This home is in St. Augustine.

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Active Under Contract

Active Under Contract·19 days on market

52 Silver Fern Drive

St. Augustine, FL 32086

$305,900$184/sqftEst. $1,560/moMLS# 2154249

Beds

Baths

1,659

Sq Ft

2021

Built

Garage

Pool

About this home

St. Augustine

Beautiful End-Unit Townhome with Pond Views! This stunning 3-bedroom, 2.5-bath townhome offers 1,659 square feet of thoughtfully designed living space and is loaded with premium-owner upgrades. The open-concept floor plan features durable luxury vinyl plank (LVP) flooring throughout the main living areas and a beautifully appointed kitchen complete with granite countertops, upgraded 48-inch cabinetry, stylish tile backsplash, upgraded light fixtures, and modern finishes that make entertaining effortless. Additional owner upgrades include upgraded interior paint and a whole-home water softener system. Upstairs, the spacious bedrooms provide plenty of room to relax, while the bathrooms are enhanced with elegant quartz vanity countertops for a refined, modern touch. Conveniently located near shopping, dining, major highways, and everyday conveniences, your new home awaits!

Cost to own

Mortgage calculator

Home Price

$305,900

Down Payment: 20%

$61,180

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,560

Principal & Interest: $1,560

Property taxes (est.): $407

Insurance (est.): $204

Estimated Total Monthly

$2,171

*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$1,560

Property taxesest. at asking price, St. Johns County$407

HOAbilled monthly$193

Estimated total, before insurance$2,160/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,910/yr · $326/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

Year	Market value	Taxable value	Change
2024	$275,647	$275,647	—
2023	$258,997	$258,997	—
2022	$243,022	$243,022	—
2021	$40,000	$40,000	—

2025 property taxes (current owner): $3,910/yr

Estimated taxes if purchased at asking price: ~$4,900/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.

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 2021)

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

Solar potential: ~1,769 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