This home is in Silver Landing, St. Augustine — a home near Tocoi Creek High School.
Active·46 days on market·Silver Landing
123 Thatcham Drive
St. Augustine, FL 32092
34 more homes for sale in Silver Landing →Search Silver Landing on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Silver Landing
Rare 2022-Built Home with In-Law Suite & No CDD in St. Johns! Welcome to a truly special opportunity in Silver Landing at SilverLeaf! Built in 2022, this beautifully maintained 4-bedroom, 3-bathroom home offers modern design, thoughtful functionality, and one of the most sought-after features you can find--a rare private in-law suite! Designed with flexibility in mind, the in-law suite is perfect for extended family, overnight guests, a private home office, or anyone looking for their own dedicated space. The main living areas feature a bright, open-concept design with stylish finishes and plenty of room to gather and entertain. The kitchen is equipped with gas appliances, while a tankless water heater provides modern efficiency and convenience. Step outside to the fully fenced backyard, offering a private space to enjoy the Florida sunshine, entertain guests, or simply relax. And the best part? NO CDD! Combined with a 2022 construction date, highly desirable St. Johns County
Next steps in Silver Landing
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2022)
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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $529,093 | $529,093 | — |
| 2024 | $511,320 | $511,320 | — |
| 2023 | $475,843 | $276,734 | — |
| 2022 | $106,400 | $106,400 | — |
2025 property taxes (current owner): $7,460/yr
Estimated taxes if purchased at asking price: ~$8,900/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 (2025), NEFMLS.
History
Price & status history
- Aug 20, 2026Listed$559,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: UNITED REAL ESTATE GALLERY
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 Landing
Silver Landing is a neighborhood in SilverLeaf, FL (St. Johns County), ZIP 32092.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines