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 St. Augustine — a waterfront home in St. Johns County.

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Active

Active·4 days on market

736 Cherry Elm Drive

St. Augustine, FL 32092

$320,000$179/sqftEst. $1,662/moMLS# 2163808

Beds

2.5

Baths

1,784

Sq Ft

2023

Built

Garage

Pool

About this home

St. Augustine

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.

Cost to own

Mortgage calculator

Home Price

$320,000

Down Payment: 20%

$64,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$1,662

Principal & Interest: $1,662

Property taxes (est.): $426

Insurance (est.): $213

Estimated Total Monthly

$2,301

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$1,662

Property taxesest. at asking price, St. Johns County$426

HOAbilled quarterly$134

Estimated total, before insurance$2,222/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: 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 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

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.

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

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 Market3

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 by realMLS (Northeast Florida MLS).

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