This home is in Orchard Park, St. Augustine — a waterfront home in St. Johns County.
Active·39 days on market·Orchard Park
64 Silver Fern Drive
St. Augustine, FL 32086
9 more homes for sale in Orchard Park →Search Orchard Park on the map
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About this home
Orchard Park
Affordable St. Augustine living with a beautiful pond view! This move-in-ready home offers the perfect combination of low-maintenance living, community amenities, & a convenient location. Step inside to an inviting floor plan with upgraded flooring throughout the main level & peaceful pond views that can be enjoyed from multiple rooms. The first floor features a spacious eat-in kitchen with breakfast bar, comfortable living area, half bath for guests, & generous under-stair storage. Upstairs, you'll find 2 bedrooms, 2 full baths, & a conveniently located laundry room. Both bedrooms offer spacious closets with organization systems, while the attached garage provides additional storage and an owned water softener system. Outside, enjoy your serene pond view without the hassle of extensive exterior or lawn maintenance, much of which is covered by the HOA. The community also offers a dog park & 2 playgrounds, giving you even more ways to enjoy the Florida lifestyle. Located with convenient
Next steps in Orchard Park
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: ~1,772 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 homeAs 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.
Closest beach parking
A Street ramp and lots22 min drive · 45 parking spaces
Closest park or preserve
Treaty Park1 min drive · 1.9 mi of trails
Closest public boat ramp
Moultrie Creek Boat Rampabout 3 mi · Moutrie Creek
Closest kayak & paddleboard launch
Vail Point Park – Paddlecraft Dockabout 3 mi · Moultrie Creek
Closest youth league fields
Treaty Park3 min drive · Basketball, Football, Lacrosse
Closest grocery store
Publix4 min drive · 250 Plaza Blvd, Saint Augustine
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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:36 AM, sunset 6:42 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,785/yr
Estimated taxes if purchased at asking price: ~$3,800/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.
History
Price & status history
- Oct 21, 2026Price change$235,000−$5,000
- Oct 8, 2026Price change$240,000−$5,000
- Sep 25, 2026Price change$245,000−$5,000
- Sep 18, 2026Listed$250,000
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 $200/sq ft; this home is listed at $187/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 56 Silver Fern Drive, St. Augustine, FL 32086Listed by MARK SPAIN REAL ESTATE | Jun 2026 | $243,000 | $149 | 3/2.5 | 1,633 | 12 | 0 |
| 138 Mustard Hill Court, St. Augustine, FL 32086Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $225,000 | $193 | 2/1.5 | 1,168 | 119 | 0.2 |
| 29 Beach Palm Court, St. Augustine, FL 32086Listed by ROUND TABLE REALTY | Jul 2026 | $285,000 | $210 | 3/2.5 | 1,354 | 48 | 0.2 |
| 24 Beach Palm Court, St. Augustine, FL 32086Listed by ROUND TABLE REALTY | Jun 2026 | $261,990 | $208 | 2/2.5 | 1,259 | 74 | 0.2 |
| 158 Beach Palm Court, St. Augustine, FL 32086Listed by ROUND TABLE REALTY | Aug 2026 | $251,990 | $200 | 2/2.5 | 1,259 | 127 | 0.3 |
| 204 Beach Palm Court, St. Augustine, FL 32086Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Oct 2026 | $292,500 | $187 | 3/2 | 1,567 | 63 | 0.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
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 Orchard Park
Orchard Park is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32086.
View all Orchard Park homes for sale →Keep looking
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For Sale124 Great Star CourtSt. Augustine, FL 32086
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For Sale158 Silver Fern DriveSt. Augustine, FL 32086
2 bd · 1.5 ba · 1,168 sq ft
$245,000Est. $1,304/moBeautiful 2-bedroom, 1.5-bath townhome at 158 Silver Fern Drive in the Orchard Park community in St. Augustine. No roof…
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For Sale114 Beach Palm CourtSt. Augustine, FL 32086
3 bd · 2.5 ba · 1,354 sq ft
$259,000Est. $1,379/moWelcome to this beautifully maintained 3-bedroom, 2.5-bathroom townhome in the desirable Orchard Park community of St.…
Listing Office: keller williams realty atlantic partners st. augustine
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Krista Fracke
Broker Associate
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