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·1 day on market·Silver Landing

123 Thatcham Drive

St. Augustine, FL 32092

$559,900$237/sqftEst. $2,875/moMLS# 2160959

Beds

Baths

2,361

Sq Ft

2022

Built

Garage

Pool

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

Cost to own

Mortgage calculator

Home Price

$559,900

Down Payment: 20%

$111,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,875

Principal & Interest: $2,875

Property taxes (est.): $745

Insurance (est.): $373

Estimated Total Monthly

$3,994

*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$2,875

Property taxesest. at asking price, St. Johns County$745

HOAbilled annually$122

Estimated total, before insurance$3,743/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,460/yr · $622/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

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.

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 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 20, 2026Listed$559,900

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

Features

Price$559,900

Price / Sq Ft$237

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,361

Acres0.19 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMagnolia Oaks Academy

MiddleMagnolia Oaks Academy

HighTocoi Creek

Community Information

Address123 Thatcham Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilver Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,276.4 sq ft

Parcel Number0279717920

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Pickleball, Playground, Tennis Court(s)

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

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

# of Stories1

LaundryElectric Dryer Hookup, In Unit, Washer Hookup