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 Silver Landing, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·2 days on market·Silver Landing

168 Varner Way

St. Augustine, FL 32092

$515,000$223/sqftEst. $2,650/moMLS# 2160225

Beds

Baths

2,309

Sq Ft

2023

Built

Garage

Pool

About this home

Silver Landing

NO CDD FEES! Beautifully upgraded SilverLeaf home offering custom touches, a beautiful water view, and an oversized fenced backyard. The desirable split floor plan features a private primary suite, spacious secondary bedrooms, and an open-concept living area filled with natural light. The upgraded kitchen features custom cabinetry, upgraded cabinet pulls, a stylish backsplash, a thoughtfully designed island with additional seating, and a walk-in pantry. A versatile flex room with French doors is perfect for a home office, playroom, or gym. Over $20,000 in improvements include upgraded light fixtures and an epoxy-coated garage floor. Enjoy the screened lanai overlooking the oversized backyard with a beautiful water view, extended paver patio, gravel landscaping, and a fire pit area--perfect for entertaining or relaxing. Conveniently located within golf-cart distance of the new K-8 school and just minutes from Publix, Baptist Medical Campus, and everyday conveniences. Schedule Tour Now!

Cost to own

Mortgage calculator

Home Price

$515,000

Down Payment: 20%

$103,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,650

Principal & Interest: $2,650

Property taxes (est.): $685

Insurance (est.): $343

Estimated Total Monthly

$3,679

*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$2,650

Property taxesest. at asking price, St. Johns County$685

HOAbilled annually$133

Estimated total, before insurance$3,469/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $334/yr

Estimated taxes if purchased at asking price: ~$8,200/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: material not specified — 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 14, 2026Listed$515,000

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

Features

Price$515,000

Price / Sq Ft$223

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,309

Acres0.17 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryMagnolia Oaks Academy

MiddleMagnolia Oaks Academy

HighTocoi Creek

Community Information

Address168 Varner Way, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0279714640

Amenities

AmenitiesPool, Children's Pool, Dog Park, Jogging Path, Park, Playground, Spa/Hot Tub

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewWater

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Freezer, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Spa FeaturesCommunity