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 new construction home in St. Johns County.

Active

Active·45 days on market·Silverleaf

348 Chestnut Oak Road

St. Augustine, FL 32092

$1,210,349$301/sqftEst. $6,222/moMLS# 2155311

Beds

Baths

4,025

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

The Breckenridge is a 3,999 sq ft two-story home with 4 bedrooms, 4.5 baths, and a 3-car garage. Open living flows from a gourmet kitchen with oversized island to living and dining areas. Master suite with dual walk-ins and spa bath. Game room, covered lanai, make this home perfect for entertaining and family life.

Cost to own

Mortgage calculator

Home Price

$1,210,349

Down Payment: 20%

$242,070

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,222

Principal & Interest: $6,222

Property taxes (est.): $1,611

Insurance (est.): $807

Estimated Total Monthly

$8,640

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$6,222

Property taxesest. at asking price, St. Johns County$1,611

HOAbilled annually$100

Estimated total, before insurance$7,933/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.

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: 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

Jul 14, 2026Listed$1,210,349

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

Features

Price$1,210,349

Price / Sq Ft$301

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,025

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

Community Information

Address348 Chestnut Oak Road, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0099831000

Amenities

AmenitiesPool, Dog Park, Gated, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Natural Gas Not Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Gas Water Heater, Tankless Water Heater

HeatingElectric

CoolingCentral Air, Electric

FlooringLaminate, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup