323 Holly Forest Drive

St. Augustine, FL 32092

$3,000/moMLS# 2156716

Rental listing

Krista specializes in home sales, not rentals. To tour or apply for this rental, contact the listing agent directly:

Pam Kota · PCC REAL ESTATE, LLC. pamkota@pccagents.com

Beds

Baths

2,035

Sq Ft

2021

Built

Garage

Pool

About this home

Holly Forest

Nestled on a quiet cul-de-sac in the highly desirable SilverLeaf community of St. Johns County, this beautifully upgraded 4-bedroom, 2.5-bath home offers the perfect blend of luxury, comfort, and privacy. The fully fenced backyard provides a peaceful retreat for entertaining, relaxing, or enjoying Florida's year-round sunshine. Featuring thoughtful upgrades beyond standard builder finishes, the home showcases a stunning chef-inspired kitchen with enhanced cabinetry, designer fixtures, premium finishes, and custom details. Enjoy SilverLeaf's resort-style amenities, including pools, fitness center, walking trails, parks, playgrounds, and a dog park. Conveniently located near top-rated schools, shopping, dining, Jacksonville, historic St. Augustine, and area beaches, this exceptional home offers an elevated lifestyle in one of Northeast Florida's most sought-after communities.

Cost to own

Mortgage calculator

Home Price

$3,000

Down Payment: 20%

$600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$15

Principal & Interest: $15

Property taxes (est.): $4

Insurance (est.): $2

Estimated Total Monthly

$21

*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

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$394,497	$279,396	—
2024	$391,183	$0	—
2023	$339,429	$114,979	—
2022	$343,664	$343,664	—
2021	$65,000	$65,000	—

Estimated taxes if purchased at asking price: ~$0/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.