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 Village, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·5 days on market·Silverleaf Village

103 Tarbert Lane

St. Augustine, FL 32092

$505,000$243/sqftEst. $2,610/moMLS# 2158304

Beds

Baths

2,082

Sq Ft

2020

Built

Garage

Pool

About this home

Silverleaf Village

Room for a golf cart in this rare 3-car garage in SilverLeaf! This beautifully crafted Riverside Homes residence combines luxury finishes, a prime walkable location, and move-in-ready condition, making it one of the area's most desirable opportunities. Just a short stroll from SilverLeaf's resort-style amenities, shopping, dining, and everyday conveniences, this exceptional home offers 4 bedrooms, 3 full baths, and a desirable 3-car tandem garage with ample space for vehicles, a golf cart, storage, or a workshop. Designed for both everyday living and effortless entertaining, the chef-inspired kitchen is the heart of the home, featuring premium Bosch appliances, quartz countertops, a stunning waterfall island, and designer lighting that adds an elegant custom touch throughout.The open-concept layout flows seamlessly into the spacious screened lanai and fully fenced backyard, creating the perfect setting to relax, entertain, or enjoy Florida's beautiful weather year-round.

Cost to own

Mortgage calculator

Home Price

$505,000

Down Payment: 20%

$101,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,610

Principal & Interest: $2,610

Property taxes (est.): $672

Insurance (est.): $337

Estimated Total Monthly

$3,618

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,610

Property taxesest. at asking price, St. Johns County$672

HOAbilled annually$33

Estimated total, before insurance$3,315/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,382/yr · $448/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): $5,382/yr

Estimated taxes if purchased at asking price: ~$8,100/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 2020)

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

Solar potential: ~1,717 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 September 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

Sep 1, 2026Active$505,000
Aug 3, 2026Listed$505,000

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

Features

Price$505,000

Price / Sq Ft$243

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,082

Acres0.18 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMagnolia Oaks Academy

MiddleMagnolia Oaks Academy

HighTocoi Creek

Community Information

Address103 Tarbert Lane, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilverleaf Village

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,840.8 sq ft

Parcel Number0265722470

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Jogging Path, Park, Pickleball, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryLower Level