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 Silverleaf Village, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·Listed today·Silverleaf Village

245 Creekmore Drive

St. Augustine, FL 32092

$424,900$248/sqftEst. $2,196/moMLS# 2164022

Beds

Baths

1,713

Sq Ft

2021

Built

Garage

Pool

About this home

Silverleaf Village

THIS IS THE SILVERLEAF HOME YOU'VE BEEN WAITING FOR! Beautifully appointed and ideally situated on a private pond-view lot, this Ashley Homes residence offers the perfect combination of upscale finishes, thoughtful design and relaxed Florida living in sought-after SilverLeaf. From the moment you enter, you'll appreciate the spacious, light-filled layout and attention to detail throughout. The elegant formal dining room welcomes you with crown molding, wainscoting, chair rail detailing and abundant natural light--perfect for entertaining family and friends.

Cost to own

Mortgage calculator

Home Price

$424,900

Down Payment: 20%

$84,980

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,196

Principal & Interest: $2,196

Property taxes (est.): $565

Insurance (est.): $283

Estimated Total Monthly

$3,044

*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$2,196

Property taxesest. at asking price, St. Johns County$565

HOAbilled annually$103

Estimated total, before insurance$2,864/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,350/yr · $446/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): $5,350/yr

Estimated taxes if purchased at asking price: ~$6,800/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2021)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,810 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 9, 2026Listed$424,900

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

Features

Price$424,900

Price / Sq Ft$248

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,713

Acres0.13 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address245 Creekmore Drive, St. Augustine, FL 32092

Area305-World Golf Village Area-Central

SubdivisionSilverleaf Village

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size5,662.8 sq ft

Parcel Number0265723810

Amenities

AmenitiesPool, Children's Pool, Fitness Center, Jogging Path, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Oven, Gas Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryIn Unit