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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 St. Augustine — a home near Tocoi Creek High School.

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Active·Listed today

75 Delwood Way

St. Augustine, FL 32092

$449,000$210/sqftEst. $2,487/mo mortgageMLS# 2169821
Open house Sat, Oct 24 · 12:00 pm–3:00 pm
4
Beds
3
Baths
2,138
Sq Ft
2025
Built
1
Garage
No
Pool
FEMA Zone XHOA $209/mo5,227 sqft lotTownhouse2 stories

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About this home

St. Augustine

An assumable 5% mortgage adds outstanding value to this nearly new Toll Brothers end-unit townhome in gated Newbrook at Silverleaf. Built in 2025, this pond-view home offers 4 bedrooms and 3 full baths—a floor plan that is not currently building in the community. The open main level features 8-foot doors and a kitchen with a large island, soft-close cabinetry, lower-cabinet pullouts, gas cooktop, wall oven, microwave, tile backsplash, and stainless-steel appliances. Sliding doors open to a covered paver patio overlooking the pond. A downstairs bedroom and adjacent full bath offer flexibility for guests or a home office. Upstairs, enjoy a spacious loft, a primary suite with a tray ceiling and two walk-in closets, two additional bedrooms, and a laundry room with a sink. The primary bath features dual vanities and a frameless glass shower. Additional finishes include quartz bathroom countertops, raised vanities, and shower tile extending to the ceiling. The downstairs bath features a

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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 · 7.4% · 30yr$2,487
Property taxesest. at asking price, St. Johns County$597
HOAbilled quarterly$209
Estimated total, before insurance$3,293/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,344/yr · $112/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

$449,000
$89,800
Loan Term
Monthly Payment
$2,487
Principal & Interest: $2,487
Property taxes (est.): $598
Insurance (est.): $299
Estimated Total Monthly
$3,384
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2025)

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 October 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): $1,344/yr

Estimated taxes if purchased at asking price: ~$7,200/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 18, 2026Listed$449,000

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 $208/sq ft; this home is listed at $210/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
330 Delwood Way 221, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLCSep 2026$424,000$2253/2.51,8821210
71 Delwood Way, St. Augustine, FL 32092Listed by RE/MAX UNLIMITEDAug 2026$400,000$2083/2.51,9261010
132 Delwood Way, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLCOct 2026$399,000$1993/2.52,0021180.1
138 Delwood Way, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLCAug 2026$399,000$1983/2.52,013770.1
159 Wood Breeze Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCAug 2026$340,994$2143/2.51,59200.4
163 Wood Breeze Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCAug 2026$329,990$2073/2.51,592480.5

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$449,000
Price / Sq Ft$210
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,138
Acres0.12 acres
Year Built2025
TypeResidential
Sub-TypeTownhouse
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

School Information

Zoned elementaryMagnolia Oaks Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryMagnolia Oaks Academy
Reported middleMagnolia Oaks Academy
Reported highTocoi Creek
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address75 Delwood Way, St. Augustine, FL 32092
Area304- 210 South
SubdivisionSilverleaf
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size5,227.2 sq ft
Parcel Number0107412170
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Fitness Center, Gated, Pickleball, Playground, Tennis Court(s)
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener, Unassigned
ViewPond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric, Free Standing
# of Stories2
LevelsTwo
LaundryIn Unit, Upper Level
SecuritySecurity System Owned

Exterior

Patio / PorchRear Porch
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedOctober 18, 2026
Days on Market0
HOA Fees$627 / Quarterly
HOA FrequencyQuarterly
HOA NameSilverleaf HOA
HOA Fee IncludesMaintenance Grounds, Security
Tax Amount$1,344.15
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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