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.

1 / 74

Active

Active·6 days on market·Silverleaf

239 Elm Creek Drive

St. Augustine, FL 32092

$475,000$199/sqftEst. $2,444/moMLS# 2159068

Beds

Baths

2,387

Sq Ft

2023

Built

Garage

Pool

About this home

Silverleaf

Built by Richmond American in 2024, 4 bedroom, 3 full bath with a loft for extra space, this home is loaded with upgrades already completed: including a fence, screened lanai with no-see-um mesh, whole-home water filtration with reverse osmosis, upgraded ceiling fans throughout, enhanced landscaping with palm trees and decorative white rock, and both gas and electric dryer hookups. Located in the award-winning SilverLeaf community, residents enjoy resort-style pools, splash parks, pickleball and tennis courts, playgrounds, dog parks, miles of walking and biking trails, and golf-cart-friendly living--all just minutes from shopping, dining

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,444

Principal & Interest: $2,444

Property taxes (est.): $632

Insurance (est.): $317

Estimated Total Monthly

$3,393

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,444

Property taxesest. at asking price, St. Johns County$632

HOAbilled annually$100

Estimated total, before insurance$3,177/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,400/yr · $450/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): $5,400/yr

Estimated taxes if purchased at asking price: ~$7,600/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 2023)

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 7, 2026Listed$475,000

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

Features

Price$475,000

Price / Sq Ft$199

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,387

Acres0.18 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Patio Home

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryMagnolia Oaks Academy

MiddleMagnolia Oaks Academy

HighTocoi Creek

Community Information

Address239 Elm Creek Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilverleaf

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,840.8 sq ft

Parcel Number0279840210

ZoningResidential

Amenities

AmenitiesPool, Other, Clubhouse, Gated, Pickleball

UtilitiesCable Not Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub

AppliancesDishwasher, Disposal, Dryer, Freezer, Gas Oven, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup

Spa FeaturesCommunity