This home is in Silver Landing, St. Augustine.

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Active

Active·1 day on market·Silver Landing

265 Varner Way

St. Augustine, FL 32092

$495,000$215/sqftEst. $2,524/moMLS# 2156926

Beds

Baths

2,302

Sq Ft

2023

Built

Garage

Pool

About this home

Silver Landing

NO CDD FEES! Better than new and beautifully upgraded, this Silverleaf home offers the perfect blend of style, privacy, and Florida living. The desirable split floor plan features a private primary suite separated from secondary bedrooms. The open-concept design showcases wood-look tile flooring, abundant natural light, and a stunning kitchen with large island, walk-in pantry, and seamless flow into the living and dining areas. The flex room with French doors is perfect for a home office, gym, or playroom. Relax on the extended screened lanai overlooking the fenced backyard with upgraded paver patio. Over $15,000 in improvements include whole-house water filtration, gutters, and fencing. Enjoy Silverleaf amenities, pickleball courts, and less than 5 minutes to Publix, Baptist Medical Campus with 24/7 Emergency Center, and easy access to Wolfson Children's Hospital. Convenient to Jacksonville and St. Augustine.

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,524

Principal & Interest: $2,524

Property taxes (est.): $659

Insurance (est.): $330

Estimated Total Monthly

$3,513

*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$2,524

Property taxesest. at asking price, St. Johns County$659

HOAbilled annually$135

Estimated total, before insurance$3,317/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,808/yr · $484/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): $5,808/yr

Estimated taxes if purchased at asking price: ~$7,900/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.

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: 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

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 24, 2026Listed$495,000

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

Features

Price$495,000

Price / Sq Ft$215

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,302

Acres0.15 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address265 Varner Way, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,534 sq ft

Parcel Number0279715170

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Available, 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 -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup

SecuritySmoke Detector(s)