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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 Silver Falls, St. Augustine — a new construction home in St. Johns County.

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Pending

$547,490Pending4 bd · 3.5 ba · 2,663 sq ft

Pending·90 days on market·Silver Falls

40 Good Harbor Place

St. Augustine, FL 32092

$547,490$206/sqftEst. $2,985/mo mortgageMLS# 2159030
4
Beds
3.5
Baths
2,663
Sq Ft
2026
Built
3
Garage
No
Pool

30 more homes for sale in Silver Falls →Search Silver Falls on the map

FEMA Zone XHOA $144/mo7,841 sqft lotSingle Family Residence1 storyNew construction

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Silver Falls

Under Construction: Ready November 2026! Introducing the Sierra Bonus floor plan by Lennar Homes, offering 4 bedrooms, 3.1 baths, and a spacious 2-car garage. This home features Lennar's signature Everything's Included package, including a gourmet kitchen with white cabinets, white Quartz kitchen countertops, 42'' upper cabinets, and Frigidaire stainless steel appliances gas range, dishwasher, microwave, and refrigerator. Ceramic wood-look tile is installed in all wet areas and extended into the family room, dining area, and hallways. Additional highlights include Quartz vanities, a water heater, window blinds throughout, a screened lanai, and a sprinkler system. Enjoy peace of mind with a one-year builder warranty, dedicated customer service program, and 24-hour emergency service. (Conditions may apply)

Next steps in Silver Falls

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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 · 7.24% · 30yr$2,985
Property taxesest. at asking price, St. Johns County$729
HOAbilled monthly$144
Estimated total, before insurance$3,857/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,212/yr · $101/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

$547,490
$109,498
Loan Term
Monthly Payment
$2,985
Principal & Interest: $2,985
Property taxes (est.): $729
Insurance (est.): $365
Estimated Total Monthly
$4,078
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 2026)

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

History

Price & status history

  • Sep 4, 2026Pending$547,490
  • Aug 7, 2026Listed$547,490

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 $211/sq ft; this home is listed at $206/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
90 Grand Traverse Circle, St. Augustine, FL 32043Listed by LENNAR REALTY INCOct 2026$610,000$2025/3.53,026730.1
102 Grand Traverse Circle, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$562,990$2294/32,463640.1
91 Grand Traverse Circle, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$552,490$2074/3.52,663490.1
55 Suttons Bay Causeway, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$664,475$2114/43,15200.3
120 Ludington Parkway, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$437,990$2313/21,8971420.3
139 Sutton Bay Causeway, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$655,480$2084/33,152110.4

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$547,490
Price / Sq Ft$206
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,663
Acres0.18 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusPending
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address40 Good Harbor Place, St. Augustine, FL 32092
Area305-World Golf Village Area-Central
SubdivisionSilver Falls
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size7,840.8 sq ft
Parcel Number000

Amenities

AmenitiesPool, Clubhouse, Dog Park, Park, Playground, Tennis Court(s), Trash
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Gas Cooktop, Gas Range, Gas Water Heater, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Patio, Screened
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedAugust 7, 2026
Days on Market90
HOA Fees$144 / Monthly
HOA FrequencyMonthly
Tax Amount$1,212.18
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: LENNAR REALTY INC

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 Silver Falls

Silver Falls is a neighborhood in SilverLeaf, FL (St. Johns County), ZIP 32092.

View all Silver Falls 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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