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 St. Augustine — a waterfront home in St. Johns County.

No photos available

This listing has no photos yet

No photos available

This listing has no photos yet

Active

Active·Listed today

330 Silver Sage Lane

St. Augustine, FL 32095

$730,000$236/sqftEst. $3,722/moMLS# 2157824

Beds

Baths

3,093

Sq Ft

2018

Built

Garage

Pool

About this home

St. Augustine

A must-see! Welcome to 330 Silver Sage Lane, a 2018-built, 3,093 sq ft home on a quiet cul-de-sac. This 5-bedroom, 4-bath home features 10-foot ceilings throughout, creating a spacious, open feel with a thoughtfully designed layout. Recent updates include full exterior painting, a new HVAC system, and a new dishwasher and refrigerator -- giving you peace of mind from day one. The open-concept living area flows from a spacious living room into the dining room and a stunning kitchen with white cabinetry, granite counters, tile backsplash, a large island, and a walk-in pantry. All primary living is on the main level, including a private primary suite with tray ceiling, spa-like bath, and large walk-in closet. Two additional bedrooms, a dedicated office, mudroom, and laundry room complete the first floor. Upstairs, a versatile flex room/bedroom 5 offers a private retreat with full bath and walk-in closet. Enjoy the screened porch overlooking a landscaped backyard with paver patio, fire pit

Cost to own

Mortgage calculator

Home Price

$730,000

Down Payment: 20%

$146,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,722

Principal & Interest: $3,722

Property taxes (est.): $971

Insurance (est.): $487

Estimated Total Monthly

$5,180

*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$3,722

Property taxesest. at asking price, St. Johns County$971

HOAbilled quarterly$102

Estimated total, before insurance$4,795/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,158/yr · $763/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): $9,158/yr

Estimated taxes if purchased at asking price: ~$11,700/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 2018)

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

Solar potential: ~1,777 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 30, 2026Listed$730,000

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

Features

Price$730,000

Price / Sq Ft$236

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,093

Acres0.22 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address330 Silver Sage Lane, St. Augustine, FL 32095

Area304- 210 South

SubdivisionTwin Creeks

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size9,583.2 sq ft

Parcel Number0237132490

Amenities

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

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories2

LaundryIn Unit