This home is in St. Augustine — a home near Tocoi Creek High School.
Active·49 days on market
323 Elm Creek Drive
St. Augustine, FL 32092
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
St. Augustine
OPEN HOUSE SUNDAY OCTOBER 25TH 1-3 pm . SELLER OFFERING $10,000 TOWARDS BUYER CONCESSIONS AND OR RATE BUYDOWN !!! FRESHLY UPDATED ! 4 Bedrooms , 3 full baths !! Step inside and immediately notice the difference--brand-new LVP flooring flows throughout the entire home, complemented by upgraded lighting, new ceiling fans, updated fixtures, and new cabinet hardware for a fresh, cohesive feel. This home is all about space and natural light, with a huge open-concept floor plan and oversized windows throughout the main living areas that fill the home with sunlight all day long. The desirable split-bedroom layout provides added privacy, while the open living, dining, and kitchen areas offer plenty of room for everyday living and entertaining. Step outside to an impressive 20' x 16' covered patio overlooking the fully fenced rear yard. A full paver driveway adds to the curb appeal, and all appliances convey--including the refrigerator, washer, and dryer.
Next steps in SilverLeaf
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: Shingle — 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 September 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve dirt lotabout 11 mi · 60 parking spaces
Closest park or preserve
Gourd Island Conservation Areaabout 6 mi · 3.3 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 3 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 9 mi · Saint Johns River
Closest youth league fields
Mill Creek Parkabout 2 mi · Baseball
Closest grocery store
Publixabout 1 mi · 1975 Silverleaf Pkwy, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $416,644 | $365,922 | — |
| 2024 | $414,832 | $414,832 | — |
| 2023 | $404,313 | $404,313 | — |
| 2022 | $44,800 | $44,800 | — |
2025 property taxes (current owner): $5,424/yr
Estimated taxes if purchased at asking price: ~$7,300/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
- Oct 23, 2026Price change$459,900−$4,000
- Oct 11, 2026Price change$463,900−$3,000
- Sep 7, 2026Listed$466,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $241/sq ft; this home is listed at $221/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 365 Silver Lily Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $585,000 | $234 | 4/3 | 2,500 | 51 | 0.5 |
| 139 Grand Rivage Drive Drive, St. Augustine, FL 32092Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $600,000 | $240 | 4/3 | 2,496 | 12 | 0.6 |
| 61 Yorkshire Drive, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $810,000 | $305 | 4/3 | 2,660 | 57 | 0.7 |
| 2080 Crown Drive, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLC | Oct 2026 | $625,000 | $238 | 4/3 | 2,626 | 90 | 0.8 |
| 163 Vivian James Drive, St. Augustine, FL 32092Listed by HOUSE & HAVEN | Sep 2026 | $635,000 | $252 | 4/3 | 2,517 | 17 | 1.1 |
| 479 Athens Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $622,000 | $241 | 3/2.5 | 2,577 | 17 | 1.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
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.
Keep looking
More homes in Silverleaf
For Sale239 Elm Creek DriveSt. Augustine, FL 32092
4 bd · 3 ba · 2,387 sq ft
$460,000Est. $2,448/moMOTIVATED SELLER**** Built by Richmond American in 2024, 4 bedroom, 3 full bath with a loft for extra space, this home…
Listing Office: christie's international real estate first coast
For Sale293 Bedford TerraceSt. Augustine, FL 32092
3 bd · 2 ba · 1,738 sq ft
$464,000Est. $2,470/moEnjoy the simplicity of the Cobblestone, a single-story 3-bedroom, 2-bathroom home in Newbrook at SilverLeaf with no…
Listing Office: jacksonville tbi realty, llc
For Sale213 Rosaland AvenueSt. Augustine, FL 32092
3 bd · 2 ba · 1,738 sq ft
$469,000Est. $2,496/moDiscover the Cobblestone in Newbrook at SilverLeaf, a single-story 3-bedroom, 2-bathroom home with no CDD fees.…
Listing Office: jacksonville tbi realty, llc
For Sale75 Delwood WaySt. Augustine, FL 32092
4 bd · 3 ba · 2,138 sq ft
$449,000Est. $2,390/moAn assumable 5% mortgage adds outstanding value to this nearly new Toll Brothers end-unit townhome in gated Newbrook at…
Listing Office: christie's international real estate first coast
Keep looking
Similar homes in St. Augustine
Explore the area
More in SilverLeaf
SilverLeaf guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines