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 St. Augustine — a gated community home in St. Johns County.

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Pending

Pending·24 days on market

442 Cherry Elm Drive

St. Augustine, FL 32092

$389,990$205/sqftEst. $2,015/moMLS# 2159801

Beds

Baths

1,899

Sq Ft

2026

Built

Garage

Pool

About this home

St. Augustine

What's Special: Corner Lot | Pond View | Loft | Covered Lanai. New Construction - October Completion! Built by America's Most Trusted Home Builder. Welcome to the Laurel at 442 Cherry Elm Drive in Cherry Elm at SilverLeaf! Step inside from the charming front porch to a welcoming foyer that opens to a bright, open-concept great room, dining area, and kitchen. The kitchen features a large island, walk-in pantry, and plenty of counter space, while a covered lanai extends the living area outdoors. Upstairs, a versatile loft leads to the private primary suite with a walk-in closet and attached bathroom. Two secondary bedrooms, a shared bathroom, and a convenient laundry room complete the second floor. Located in St. Johns County, this community offers access to top-rated schools and low-maintenance, master-planned living with lawn care and exterior upkeep included. Enjoy pools, pickleball, tennis, walking trails, and a planned 1.6-acre amenity area.

Cost to own

Mortgage calculator

Home Price

$389,990

Down Payment: 20%

$77,998

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,015

Principal & Interest: $2,015

Property taxes (est.): $519

Insurance (est.): $260

Estimated Total Monthly

$2,794

*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$2,015

Property taxesest. at asking price, St. Johns County$519

HOAbilled quarterly$134

Estimated total, before insurance$2,668/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,721 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

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 12, 2026Listed$389,990

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

Features

Price$389,990

Price / Sq Ft$205

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,899

Acres0.17 acres

Year Built2026

TypeResidential

Sub-TypeTownhouse

StyleContemporary

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

Direction FacesNortheast

School Information

ElementaryMagnolia Oaks Academy

MiddleMagnolia Oaks Academy

HighTocoi Creek

Community Information

Address442 Cherry Elm Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionCherry Elm Townhomes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Lot Dimensions29x61

Parcel Number0279850880

ZoningResidential

Amenities

AmenitiesPool, Other, Children's Pool, Clubhouse, Dog Park, Gated, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Gated, Guest

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, In Unit, Upper Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security Gate, Security Lights, Smoke Detector(s)

Exterior

Exterior FeaturesImpact Windows

Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Front Porch, Patio

FencingOther, Vinyl

RoofShingle

ConstructionComposition Siding, Frame

Road SurfacePaved

Road FrontagePrivate Road

Additional Information

Date ListedAugust 12, 2026

Days on Market0

HOA Fees$402 / Quarterly

HOA FrequencyQuarterly

HOA NameCherry Elm HOA/SilverLeaf Master Association

HOA Fee IncludesMaintenance Grounds, Other

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan, Other

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: TAYLOR MORRISON REALTY OF FLA

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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