This home is in Silverleaf, St. Augustine.

Active

Active·Listed today·Silverleaf

578 Courtney Chase Drive

St. Augustine, FL 32092

$650,000$310/sqftEst. $3,304/moMLS# 2156106

Beds

Baths

2,096

Sq Ft

2025

Built

Garage

Pool

About this home

Silverleaf

GATED JOHNS ISLAND ENCLAVE | $100K+ IN UPGRADES | SINGLE-STORY | PREMIUM CORNER LOT | 3-CAR TANDEM GARAGE | NO CDD | RESORT-STYLE AMENITIES! Beautifully upgraded single-story home offering 3 bedrooms + private office with French doors, 2½ baths, and a spacious 3-car tandem garage. Soaring 12-foot ceilings, abundant natural light, and an open-concept design create an inviting atmosphere. The chef-inspired kitchen features white designer cabinetry with crown molding, quartz countertops, brushed gold hardware, a large center island, natural gas cooktop, a spacious pantry, and overlooks the living and dining areas highlighted by a dramatic tray ceiling. The private owner's suite offers a spa-inspired bath with an oversized walk-in shower and generous walk-in closet. Relax on the covered, screened lanai overlooking the fully fenced backyard, pre-plumbed with a natural gas stub for a future outdoor kitchen and prewired for TV.

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,304

Principal & Interest: $3,304

Property taxes (est.): $865

Insurance (est.): $433

Estimated Total Monthly

$4,602

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,304

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

HOAbilled annually$100

Estimated total, before insurance$4,269/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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)