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 home near Tocoi Creek High School.

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Active

Active·3 days on market·Silverleaf

156 Arbor Creek Drive

St. Augustine, FL 32092

$959,900$253/sqftEst. $4,950/moMLS# 2158587

Beds

Baths

3,791

Sq Ft

2027

Built

Garage

Pool

About this home

Silverleaf

Welcome to the Julington by Riverside Homes, starting construction soon. Step into the grand Family Room with soaring 20 ft ceilings flooding the home with natural light. At the heart of the home is a spectacular Chef's Kitchen. This culinary showpiece features a premium 36'' gas cooktop, high-end built-in double ovens, a seamless drawer microwave, wired for pendants and under cabinet lighting--all framed by a massive central island that flows into the oversize cafe and family room. A flex space, perfect for an office. A massive loft room ready to customize into your dream fitness studio, secondary family room or game room. The plan offers 4 bedroom and 3 baths with a loft/living space upstairs. Downstairs is a gorgeous owner suite with dual closets, sitting room, tray ceilings and spa bath with free standing tub. The extended lanai is perfect for enjoying the Florida lifestyle. Steps away from the new amenity center. **Photos of similar home** Plan in documents.

Cost to own

Mortgage calculator

Home Price

$959,900

Down Payment: 20%

$191,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$4,950

Principal & Interest: $4,950

Property taxes (est.): $1,277

Insurance (est.): $640

Estimated Total Monthly

$6,867

*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$4,950

Property taxesest. at asking price, St. Johns County$1,277

HOAbilled annually$154

Estimated total, before insurance$6,382/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,155/yr · $180/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): $2,155/yr

Estimated taxes if purchased at asking price: ~$15,300/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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2027)

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

As of August 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

Aug 5, 2026Listed$959,900

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

Features

Price$959,900

Price / Sq Ft$253

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,791

Acres0.21 acres

Year Built2027

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionTo Be Built

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

HighTocoi Creek

Community Information

Address156 Arbor Creek Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size9,147.6 sq ft

Parcel Number0099840620

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached

Interior

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

AppliancesDishwasher, Double Oven, Gas Range, Gas Water Heater, Microwave, Tankless Water Heater

HeatingElectric

CoolingCentral Air, Electric, Multi Units, Zoned

# of Stories1

LevelsOne

LaundryLower Level, Sink

SecuritySecurity Gate