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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Cherry Elm Townhomes, St. Augustine — a waterfront home in St. Johns County.

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Active

$320,0003 bd · 2.5 ba · 1,784 sq ft

Active·52 days on market·Cherry Elm Townhomes

736 Cherry Elm Drive

St. Augustine, FL 32092

$320,000$179/sqftEst. $1,745/mo mortgageMLS# 2163808
3
Beds
2.5
Baths
1,784
Sq Ft
2023
Built
2
Garage
No
Pool

17 more homes for sale in Cherry Elm Townhomes →Search Cherry Elm Townhomes on the map

FEMA Zone XHOA $134/moWaterfrontTownhouse2 stories

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About this home

Cherry Elm Townhomes

Enjoy low-maintenance living in this spacious 3-bedroom, 2.5-bath townhome with a loft and two-car garage, located in the gated Cherry Elm Townhomes community within SilverLeaf. The open kitchen features quartz countertops, stainless steel appliances, a gas range and oven, breakfast bar, and pantry. Tile flooring extends throughout the main living areas downstairs and all bathrooms, while carpet provides added comfort upstairs and in the bedrooms. The first-floor primary suite includes a walk-in closet and a private bathroom with dual vanities and a walk-in shower. Upstairs, you'll find two additional bedrooms, a versatile loft, and a full bathroom featuring dual vanities and a tub/shower combination. Relax on the covered back porch overlooking a peaceful pond. Additional highlights include a tankless gas water heater and an easy-care lifestyle with lawn maintenance, exterior painting, and roof maintenance included.

Next steps in Cherry Elm Townhomes

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$1,745
Property taxesest. at asking price, St. Johns County$426
HOAbilled quarterly$134
Estimated total, before insurance$2,305/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$320,000
$64,000
Loan Term
Monthly Payment
$1,745
Principal & Interest: $1,745
Property taxes (est.): $426
Insurance (est.): $213
Estimated Total Monthly
$2,384
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 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 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

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.

History

Price & status history

  • Sep 10, 2026Active$320,000
  • Sep 7, 2026Listed$320,000

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 $180/sq ft; this home is listed at $179/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
342 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLAOct 2026$338,990$1763/2.51,927860.2
346 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLASep 2026$338,990$1763/2.51,9271350.2
402 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLASep 2026$338,990$1763/2.51,9271580.2
398 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLASep 2026$359,990$1873/2.51,9271260.2
378 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLASep 2026$367,990$1943/2.51,899950.2
390 Cherry Elm Drive, St. Augustine, FL 32092Listed by TAYLOR MORRISON REALTY OF FLAAug 2026$346,000$1803/2.51,927460.2

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

Price$320,000
Price / Sq Ft$179
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,784
Year Built2023
TypeResidential
Sub-TypeTownhouse
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address736 Cherry Elm Drive, St. Augustine, FL 32092
Area305-World Golf Village Area-Central
SubdivisionCherry Elm Townhomes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Parcel Number0279851820
ZoningResidential

Amenities

AmenitiesChildren's Pool, Clubhouse, Jogging Path, Maintenance Grounds, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Gas Cooktop, Gas Range, Gas Water Heater, Microwave, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LaundryIn Unit
SecuritySecurity Gate

Exterior

Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 10, 2026
Days on Market52
HOA Fees$402.99 / Quarterly
HOA FrequencyQuarterly
HOA NameCherry Elm Townhouses at Silverleaf
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

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 Cherry Elm Townhomes

Cherry Elm Townhomes is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32092.

View all Cherry Elm Townhomes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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