Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Silverleaf, St. Augustine — a gated community home in St. Johns County.

Pending

Pending·10 days on market·Silverleaf

463 Chestnut Oak Road

St. Augustine, FL 32092

$1,393,705$397/sqftEst. $7,187/moMLS# 2157359

Beds

Baths

3,515

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

The Monica is a 3,500+ sq ft single-story luxury home with 4 bedrooms, 4.5 baths, and a 4-car garage. Open living flows from chef's kitchen with walk-in pantry to dining and living areas. Master suite with spa bath and French doors to lanai. Flexible spaces and customization make this home perfect for entertaining and everyday living

Cost to own

Mortgage calculator

Home Price

$1,393,705

Down Payment: 20%

$278,741

Interest Rate: 6.69%

Loan Term

Monthly Payment

$7,187

Principal & Interest: $7,187

Property taxes (est.): $1,855

Insurance (est.): $929

Estimated Total Monthly

$9,971

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$7,187

Property taxesest. at asking price, St. Johns County$1,855

HOAbilled annually$100

Estimated total, before insurance$9,142/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.

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 2026)

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 28, 2026Listed$1,393,705

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

Features

Price$1,393,705

Price / Sq Ft$397

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,515

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusPending

# of Garages4

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryLiberty Pines Academy

MiddleLiberty Pines Academy

HighTocoi Creek

Community Information

Address463 Chestnut Oak Road, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0099830720

Amenities

AmenitiesPool, Dog Park, Gated, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Natural Gas Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Gas Water Heater, Tankless Water Heater

HeatingElectric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup