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This home is in Holly Forest, St. Augustine — a home near Tocoi Creek High School.

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Active·Listed today·Holly Forest

358 Pine Bluff Drive

St. Augustine, FL 32092

$374,000$269/sqftEst. $1,933/moMLS# 2164011

Beds

Baths

1,388

Sq Ft

2022

Built

Garage

Pool

About this home

Holly Forest

Charming end-unit townhome offering true one-level living in Holly Forest at Silverleaf. This 3-bedroom, 2-bathroom home features vinyl flooring throughout the common areas and a bright white kitchen equipped with double wall ovens and a gas range, perfect for home chefs. Additional upgrades include a water softener, custom closets for added organization, extra storage in the garage, and updated ceiling fans and lighting throughout. Enjoy Florida living year-round on the screened lanai with extended patio, ideal for relaxing or entertaining. The community pool is just a short walk away, adding to the easy, low-maintenance lifestyle this end-unit location offers. Don't miss this move-in ready home in one of Silverleaf's sought-after communities. Schedule your private showing today.

Cost to own

Mortgage calculator

Home Price

$374,000

Down Payment: 20%

$74,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,933

Principal & Interest: $1,933

Property taxes (est.): $498

Insurance (est.): $249

Estimated Total Monthly

$2,680

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,933

Property taxesest. at asking price, St. Johns County$498

HOAbilled quarterly$163

Estimated total, before insurance$2,593/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,345/yr · $279/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

2025 property taxes (current owner): $3,345/yr

Estimated taxes if purchased at asking price: ~$6,000/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, NEFMLS.

History