This home is in Creekside, St. Augustine — a home near Beachside High School.
Active·2 days on market·Creekside
196 Silver Reef Lane
St. Augustine, FL 32095
2 more homes for sale in Creekside →Search Creekside on the map
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About this home
Creekside
Enjoy privacy, space, and Florida living in Creekside at Twin Creeks! This beautifully maintained 4-bedroom, 3-bath home offers a spacious single-story layout, an open living area, and a stunning screened patio overlooking a peaceful wooded preserve with no rear neighbors. The kitchen features a large island, abundant cabinetry, and generous counter space, while the primary suite offers a walk-in closet, heated towel rack, dual vanities, soaking tub, and separate shower. Additional highlights include a formal dining room, tile flooring throughout the main living areas, a three-car garage with EV Charger and Epoxy Floor, and an expansive paver patio perfect for entertaining or relaxing outdoors. Enjoy reasonable power bills with seller owned solar panels! Enjoy neighborhood amenities including a community pool, fitness center, clubhouse, playground, and walking paths. Conveniently located near shopping, dining, and I-95. Come experience this exceptional home!
Next steps in Creekside
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: material not specified — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,782 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 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.
Closest beach parking
Guana Reserve beach lot (middle)29 min drive · 80 parking spaces
Closest park or preserve
Gourd Island Conservation Area12 min drive · 3.3 mi of trails
Closest public boat ramp
Palm Valley Public Landingabout 6 mi · Tolomato River
Closest kayak & paddleboard launch
Nocatee Landing Park – Paddlecraft Rampabout 5 mi · Tolomato River
Closest youth league fields
Nocatee Community Park12 min drive · Soccer
Closest grocery store
Publix6 min drive · 835 Cr 210 W, Saint Johns
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $505,488 | $503,126 | — |
| 2024 | $520,544 | $457,387 | — |
| 2023 | $417,977 | $401,546 | — |
| 2022 | $409,754 | $365,042 | — |
| 2021 | $331,856 | $331,856 | — |
| 2020 | $70,000 | $70,000 | — |
2025 property taxes (current owner): $8,692/yr
Estimated taxes if purchased at asking price: ~$9,500/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 (2025), NEFMLS.
History
Price & status history
- Oct 20, 2026Listed$595,000
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 $233/sq ft; this home is listed at $225/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 129 Silver Creek Place, St. Augustine, FL 32095Listed by MARK SPAIN REAL ESTATE | Oct 2026 | $447,000 | $180 | 3/2.5 | 2,477 | 34 | 0.5 |
| 612 Picasso Avenue, Ponte Vedra, FL 32081Listed by DJ & LINDSEY REAL ESTATE | Oct 2026 | $420,000 | $165 | 3/2.5 | 2,547 | 10 | 0.5 |
| 204 Silver Creek Place, St. Augustine, FL 32095Listed by EXP REALTY LLC | Sep 2026 | $530,000 | $233 | 4/2.5 | 2,270 | 125 | 0.5 |
| 85 Nightfall Court, St. Augustine, FL 32095Listed by COMPASS FLORIDA LLC | Oct 2026 | $809,000 | $279 | 3/3.5 | 2,902 | 111 | 0.7 |
| 100 Leclerc Court, St. Augustine, FL 32095Listed by CASTILLO REAL ESTATE JAX | Sep 2026 | $490,000 | $250 | 4/2 | 1,963 | 87 | 0.8 |
| 65 Stargaze Lane, St. Augustine, FL 32095Listed by BLUEFIN REAL ESTATE GROUP | Sep 2026 | $525,000 | $226 | 3/2.5 | 2,328 | 25 | 0.9 |
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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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 Creekside
Creekside is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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