This home is in Silverleaf Village, St. Augustine.

1 / 63

Active

Active·Listed today·Silverleaf Village

151 Silver Pine Drive

St. Augustine, FL 32092

$799,000$300/sqftEst. $4,074/moMLS# 2157082

Beds

Baths

2,661

Sq Ft

2020

Built

Garage

Yes

Pool

About this home

Silverleaf Village

A rare opportunity to own one of Silverleaf Village's premier waterfront pool homes--and be settled before school starts. This beautifully crafted single-story MasterCraft home offers the perfect combination of luxury, location, and lifestyle with four bedrooms, three full baths, a versatile flex space, and a spacious three-car garage. Opportunities like this are becoming increasingly hard to find, especially with quick move-in available. Wake up to sparkling long-water views and spend your afternoons relaxing beside your private screened saltwater pool and spa. The fully equipped outdoor kitchen and expansive lanai create the ultimate setting for entertaining, while breathtaking waterfront views provide a backdrop you'll enjoy every single day. Inside, you'll find an open-concept design filled with natural light, soaring ceilings, luxury finishes, and a gourmet kitchen featuring an oversized island, abundant cabinetry, and seamless flow into the living and dining spaces.

Cost to own

Mortgage calculator

Home Price

$799,000

Down Payment: 20%

$159,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,074

Principal & Interest: $4,074

Property taxes (est.): $1,063

Insurance (est.): $533

Estimated Total Monthly

$5,670

*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$4,074

Property taxesest. at asking price, St. Johns County$1,063

HOAbilled annually$133

Estimated total, before insurance$5,270/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,488/yr · $707/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	$644,159	$593,437	—
2024	$669,663	$619,663	—
2023	$624,862	$483,146	—
2022	$554,020	$462,812	—
2021	$497,876	$447,876	—
2020	$26,500	$26,500	—

2025 property taxes (current owner): $8,488/yr

Estimated taxes if purchased at asking price: ~$12,800/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2020)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,748 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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 25, 2026Active$799,000
Jul 24, 2026Listed$799,000

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

Features

Price$799,000

Price / Sq Ft$300

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,661

Acres0.19 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontYes

School Information

ElementaryMagnolia Oaks Academy

MiddleMagnolia Oaks Academy

HighTocoi Creek

Community Information

Address151 Silver Pine Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilverleaf Village

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,276.4 sq ft

Parcel Number0265723440

ZoningResidential

Amenities

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

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Double Oven, Dryer, Freezer, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

Spa FeaturesIn Ground, Heated, Private