This home is in Silver Landing, St. Augustine.

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Active

Active·Listed today·Silver Landing

63 Golden Fern Drive

St. Augustine, FL 32092

$649,900$220/sqftEst. $3,314/moMLS# 2156738

Beds

Baths

2,952

Sq Ft

2023

Built

Garage

Pool

About this home

Silver Landing

Welcome to Silver Landing at SilverLeaf, where luxury meets everyday living! Built in 2023, this stunning Dream Finders Avalon II offers 2,952 sq. ft. with 5 bedrooms, 4 full baths, and a flexible layout designed for today's lifestyle. The first-floor primary suite provides a private retreat, while the upstairs bonus room with a full bath and walk-in closet is perfect for guests, a home office, or media room. The open-concept design features a massive quartz island, breakfast bar, walk-in pantry, natural gas cooktop, stainless hood vent, and 6x24 wood-look tile throughout the main living areas. Triple sliders open to a huge covered patio overlooking a private preserve with no rear neighbors and plenty of room for a future pool. Additional highlights include a 3-car garage with epoxy floors, tankless gas water heater, double front doors, and professional pre-listing inspection. Enjoy SilverLeaf's pools, splash park, sports fields, dog park, pickleball, tennis, miles of trails, and more!

Cost to own

Mortgage calculator

Home Price

$649,900

Down Payment: 20%

$129,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,314

Principal & Interest: $3,314

Property taxes (est.): $865

Insurance (est.): $433

Estimated Total Monthly

$4,612

*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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$3,314

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

HOAbilled annually$35

Estimated total, before insurance$4,213/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,227/yr · $519/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

2025 property taxes (current owner): $6,227/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2023)

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

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 23, 2026Listed$649,900

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

Features

Price$649,900

Price / Sq Ft$220

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,952

Total Structure Area3,768 sq ft

Acres0.22 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Ranch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address63 Golden Fern Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size9,583.2 sq ft

Parcel Number0279712620

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Cable Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, On Street

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsOne and One Half

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)