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 home near Tocoi Creek High School.

1 / 41

Active

Active·23 days on market·Silverleaf

578 Courtney Chase Drive

St. Augustine, FL 32092

$650,000$310/sqftEst. $3,345/moMLS# 2156106

Beds

Baths

2,096

Sq Ft

2025

Built

Garage

Pool

About this home

Silverleaf

GATED JOHNS ISLAND ENCLAVE | $100K+ UPGRADES | NO CDD! Better than new and immaculate~for the discerning buyer! This turnkey home is situated on a premium corner lot featuring soaring 12-foot ceilings, upgraded lighting throughout, and gorgeous wood flooring in all common areas. Stunning open-concept and designed for modern comfort and buyer enjoyment. The chef-inspired kitchen boasts white designer cabinetry with crown molding, quartz countertops, brushed gold hardware, a massive center island, and a natural gas cooktop. Enjoy 3 spacious bedrooms plus a private office with French doors, 2.5 beautifully appointed baths, and 3-car garage. Spacious laundry with appliances included, convenient guest powder room & abundant closet space! Step outside to your private, covered & screened lanai overlooking a fully fenced backyard, pre-plumbed with gas stub for a future outdoor kitchen & prewired for TV. Schedule a private tour today ~This home will exceed your expectations!

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,345

Principal & Interest: $3,345

Property taxes (est.): $865

Insurance (est.): $433

Estimated Total Monthly

$4,643

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$3,345

Property taxesest. at asking price, St. Johns County$865

HOAbilled annually$100

Estimated total, before insurance$4,310/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,020/yr · $168/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
2025	$150,000	$150,000	—
2024	$150,000	$150,000	—
2023	$140,000	$140,000	—
2022	$39,200	$39,200	—

2025 property taxes (current owner): $2,020/yr

Estimated taxes if purchased at asking price: ~$10,400/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.

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 2025)

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 22, 2026Active$650,000
Jul 19, 2026Listed$650,000

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

Features

Price$650,000

Price / Sq Ft$310

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,096

Acres0.25 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

Community Information

Address578 Courtney Chase Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,890 sq ft

Parcel Number0103621690

Amenities

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

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

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)