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.

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Active

Active·45 days on market·Silverleaf

193 Pine Leaf Drive Drive 177

St. Augustine, FL 32092

$599,000$283/sqftEst. $3,079/moMLS# 2155545

Beds

Baths

2,115

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

New Toll Brothers home ready now! Experience refined single story living in the prestigious gated community of Newbrook by Toll Brothers. This beautifully designed spacious 4 bedroom, 3 full bath home showcases designer appointed finishes throughout, soaring 10 ft ceilings and inviting foyer that creates a warm first impression. The gourmet kitchen with warm toned stacked cabinets and quartz countertops is thoughtfully crafted for both everyday living and entertaining, featuring upscale details and open floorplan for a seamless flow for entertaining and spending time with the family both indoors and outdoors. Combing elegance, comfort and modern functionality this exceptional home offers luxury living in one of the area's most desirable communities.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,079

Principal & Interest: $3,079

Property taxes (est.): $797

Insurance (est.): $399

Estimated Total Monthly

$4,276

*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$3,079

Property taxesest. at asking price, St. Johns County$797

HOAbilled monthly$2,115

Estimated total, before insurance$5,992/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.

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 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