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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie'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·51 days on market·Silverleaf Village

103 Tarbert Lane

St. Augustine, FL 32092

$505,000$243/sqftEst. $2,775/mo mortgageMLS# 2158304
4
Beds
3
Baths
2,082
Sq Ft
2020
Built
3
Garage
No
Pool

4 more homes for sale in Silverleaf Village →Search Silverleaf Village on the map

FEMA Zone XHOA $33/mo7,841 sqft lotSingle Family Residence1 story

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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.

Next steps in Silverleaf Village

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$2,775
Property taxesest. at asking price, St. Johns County$672
HOAbilled annually$33
Estimated total, before insurance$3,481/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$505,000
$101,000
Loan Term
Monthly Payment
$2,775
Principal & Interest: $2,775
Property taxes (est.): $672
Insurance (est.): $337
Estimated Total Monthly
$3,784
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

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.

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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $250/sq ft; this home is listed at $243/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
322 Silverleaf Village Drive, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$555,000$2613/22,125330.2
15 Tanner Trail, St. Augustine, FL 32092Listed by KELLER WILLIAMS ST JOHNSOct 2026$420,000$2053/2.52,045750.3
232 Creekmore Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$429,000$2503/21,713760.3
23 Tanner Trail, St. Augustine, FL 32092Listed by UNITED REAL ESTATE GALLERYSep 2026$397,000$2383/21,666230.3
290 Creekmore Drive, St. Augustine, FL 32092Listed by COLDWELL BANKER ANABASIS REALTYSep 2026$396,000$2683/21,4761970.3
48 Fawn Field Lane, St. Augustine, FL 32092Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$512,000$2464/22,0841340.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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

Zoned elementaryMagnolia Oaks Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryMagnolia Oaks Academy
Reported middleMagnolia Oaks Academy
Reported highTocoi Creek
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

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
Community FeaturesSidewalks, Suburban, Street Lights, Curbs
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

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch, Screened
FencingBack Yard, Vinyl
RoofShingle

Additional Information

Date ListedSeptember 1, 2026
Days on Market48
HOA Fees$400 / Annually
HOA FrequencyAnnually
Tax Amount$5,381.87
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Silverleaf Village

Silverleaf Village is a neighborhood in SilverLeaf, FL (St. Johns County), ZIP 32092.

View all Silverleaf Village homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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