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

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Active

Active·43 days on market·Silverleaf Village

245 Creekmore Drive

St. Augustine, FL 32092

$417,500$244/sqftEst. $2,294/mo mortgageMLS# 2164022
↓ $7,400 below original list
3
Beds
2
Baths
1,713
Sq Ft
2021
Built
2
Garage
No
Pool

4 more homes for sale in Silverleaf Village →Search Silverleaf Village on the map

FEMA Zone XHOA $103/mo5,663 sqft lotWaterfrontSingle Family Residence1 story

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About this home

Silverleaf Village

SHOWS LIKE A MODEL!! THIS IS THE ASHLEY BUILT HOME YOU'VE BEEN WAITING FOR! Beautifully appointed and ideally situated on a private pond-view lot, this stunning 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.

Next steps in Silverleaf Village

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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 · 7.32% · 30yr$2,294
Property taxesest. at asking price, St. Johns County$556
HOAbilled annually$103
Estimated total, before insurance$2,953/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$417,500
$83,500
Loan Term
Monthly Payment
$2,294
Principal & Interest: $2,294
Property taxes (est.): $556
Insurance (est.): $278
Estimated Total Monthly
$3,128
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 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

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.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,350/yr

Estimated taxes if purchased at asking price: ~$6,700/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

Price & status history

  • Sep 30, 2026Price change$417,500−$7,400
  • Sep 9, 2026Listed$424,900

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 $250/sq ft; this home is listed at $244/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
232 Creekmore Drive, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$429,000$2503/21,713760
290 Creekmore Drive, St. Augustine, FL 32092Listed by COLDWELL BANKER ANABASIS REALTYSep 2026$396,000$2683/21,4761970
15 Tanner Trail, St. Augustine, FL 32092Listed by KELLER WILLIAMS ST JOHNSOct 2026$420,000$2053/2.52,045750.1
23 Tanner Trail, St. Augustine, FL 32092Listed by UNITED REAL ESTATE GALLERYSep 2026$397,000$2383/21,666230.1
322 Silverleaf Village Drive, St. Augustine, FL 32092Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$555,000$2613/22,125330.2
48 Fawn Field Lane, St. Augustine, FL 32092Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$512,000$2464/22,0841340.2

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$417,500
Price / Sq Ft$244
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

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

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, Natural Gas 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, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne
LaundryGas Dryer Hookup, In Unit

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Porch, Rear Porch, Screened
FencingBack Yard, Wrought Iron
RoofShingle
ConstructionFiber Cement, Frame
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedSeptember 9, 2026
Days on Market42
HOA Fees$1,241 / Annually
HOA FrequencyAnnually
HOA NameSilverleaf
Tax Amount$5,350.44
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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 Silverleaf Village

Silverleaf Village is a neighborhood in SilverLeaf, FL (St. Johns County), ZIP 32092.

View all Silverleaf Village homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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