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 new construction home in St. Johns County.

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Active

Active·2 days on market·Silverleaf

274 Bedford Terrace

St. Augustine, FL 32092

$464,000$266/sqftEst. $2,383/moMLS# 2160806

Beds

Baths

1,746

Sq Ft

2026

Built

Garage

Pool

About this home

Silverleaf

New Toll Brothers homes, ready October 2026! Step inside this stunning Cobblestone Modern Coastal and feel the effortless, open flow from room to room. The kitchen impresses with quartz countertops, white shaker cabinetry, and a full suite of stainless steel appliances, opening seamlessly to the great room and casual dining beyond, perfect for everyday living and entertaining. A multi-slide door leads to the screened lanai, extending your living space outdoors while keeping the bugs and afternoon sun in check. The primary suite offers a true retreat with a spa-inspired bath and spacious walk-in closet, while two additional bedrooms provide the flexibility your lifestyle calls for. A tray-ceiling foyer welcomes you home and wide-plank flooring flows throughout the main living areas. No CDDs and resort style amenities, schedule your private tour today!

Cost to own

Mortgage calculator

Home Price

$464,000

Down Payment: 20%

$92,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,383

Principal & Interest: $2,383

Property taxes (est.): $617

Insurance (est.): $309

Estimated Total Monthly

$3,310

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,383

Property taxesest. at asking price, St. Johns County$617

HOAbilled annually$100

Estimated total, before insurance$3,100/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.

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 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 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