This home is in Silverleaf, St. Augustine.

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Active

Active·Listed today·Silverleaf

477 Cherry Elm Drive

St. Augustine, FL 32092

$349,990$252/sqftEst. $1,784/moMLS# 2157389

Beds

Baths

1,388

Sq Ft

2025

Built

Garage

Pool

About this home

Silverleaf

Single-level, end-unit townhouse is in the beautiful natural gas community of SilverLeaf. Home has access to two exquisite amenity centers. Home is on quarter acre lot. Built in 2025 and under new home warranty until middle of October 2026. All exterior maintenance (mowing, edging, blowing, bush trimming, termite protection bait-stations, water, and fertilizing) is covered by HOA quarterly due . Home has Reverse Osmosis water filtration system, tankless gas hot-water heater, gas oven and range, gas dryer hookup, shaker-style cabinets, quartz countertops, double-vanities in primary bathroom, and tub in second bathroom. Two-car garage, 9-foot ceilings, tri-fold sliders lead onto lanai overlooking the water, ceiling fans and window treatments throughout home, dishwasher, and refrigerator. All appliances are still under warranty.

Cost to own

Mortgage calculator

Home Price

$349,990

Down Payment: 20%

$69,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,784

Principal & Interest: $1,784

Property taxes (est.): $466

Insurance (est.): $233

Estimated Total Monthly

$2,484

*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$1,784

Property taxesest. at asking price, St. Johns County$466

HOAbilled quarterly$134

Estimated total, before insurance$2,385/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$892/yr · $74/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): $892/yr

Estimated taxes if purchased at asking price: ~$5,600/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 2025)

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

Solar potential: ~1,747 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

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$349,990

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

Features

Price$349,990

Price / Sq Ft$252

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,388

Total Structure Area1,891 sq ft

Acres0.24 acres

Year Built2025

TypeResidential

Sub-TypeTownhouse

StyleMid-Century Modern

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address477 Cherry Elm Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,454.4 sq ft

Parcel Number0279850970

ZoningResidential

Amenities

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

SewerPublic Sewer

Water SourcePublic

Green / EnergyLighting, Thermostat, Water Heater, Windows

ParkingAdditional Parking, Garage, Garage Door Opener, Gated, Guest

ViewPond

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric, Heat Pump

CoolingAttic Fan, Central Air, Electric, Split System

FlooringLaminate

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Entry Phone/Intercom, Firewall(s), Security Gate, Security Lights, Security System Owned, Smoke Detector(s)

Spa FeaturesCommunity