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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

$645,9004 bd · 3 ba · 2,542 sq ft

Active·Listed today

223 Pine Leaf Drive

St. Augustine, FL 32092

$645,900$254/sqftEst. $3,521/mo mortgageMLS# 2173180
4
Beds
3
Baths
2,542
Sq Ft
2027
Built
2
Garage
No
Pool
HOA $100/moSingle Family Residence2 storiesNew construction

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

St. Augustine

Behind the impressive gated entry to Newbrook, Toll Brothers' flagship community in St. Johns County, is this Seamark Transitional, coming Spring/Summer 2027. As you step inside the Seamark, you are greeted by soaring 20' ceilings, a gleaming oak staircase, and an adjacent private study/office. The Seamark's kitchen is upgraded with stacked-to-the-ceiling cabinetry, a built-in oven and microwave, a 36'' five-burner gas cooktop, and quartz countertops. The great room opens to a cozy covered lanai and private backyard through a 12' sliding glass door. Upstairs is a spacious owner's suite with a spa-like bath, a large loft area, two additional bedrooms, a full bath, and a laundry room complete with a sink and hookups for a gas or electric dryer. This home also includes a paver driveway and lanai, full-home gutters, a water-softener loop, smooth walls, and a Rinnai gas tankless water heater.

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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 · 7.24% · 30yr$3,521
Property taxesest. at asking price, St. Johns County$846
HOAbilled annually$100
Estimated total, before insurance$4,467/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$645,900
$129,180
Loan Term
Monthly Payment
$3,521
Principal & Interest: $3,521
Property taxes (est.): $846
Insurance (est.): $431
Estimated Total Monthly
$4,798
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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, Wood — year not disclosed (home built 2027)

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.

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:48 AM, sunset 5:32 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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.

History

Price & status history

  • Nov 10, 2026Listed$645,900

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 $243/sq ft; this home is listed at $254/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
193 Pine Leaf Drive Drive 177, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLCOct 2026$589,000$2784/32,115640
282 Bedford Terrace, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLCOct 2026$539,000$2273/2.52,3731100.1
268 Bedford Terrace, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLCOct 2026$530,000$2433/2.52,183400.1
70 Branch Creek Road 60, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLCOct 2026$570,000$2704/32,115420.3
106 Ancient Springs Lane, St. Augustine, FL 32092Listed by WEEKLEY HOMES REALTYOct 2026$549,000$2294/2.52,3932160.5
42 Ancient Springs Lane, St. Augustine, FL 32092Listed by WEEKLEY HOMES REALTYOct 2026$493,930$2063/2.52,39300.5

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$645,900
Price / Sq Ft$254
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,542
Year Built2027
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
New ConstructionYes
Direction FacesEast

School Information

Community Information

Address223 Pine Leaf Drive, St. Augustine, FL 32092
Area304- 210 South
SubdivisionSilverleaf
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Parcel Number0

Amenities

Community FeaturesSidewalks, Street Lights, Gated
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry
AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater
HeatingCentral, Electric, Zoned
CoolingCentral Air, Electric, Zoned
FlooringCarpet, Tile, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Upper Level, Washer Hookup
SecurityCarbon Monoxide Detector(s)

Exterior

Patio / PorchFront Porch, Rear Porch
RoofShingle, Wood
ConstructionFrame
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedNovember 11, 2026
Days on Market0
HOA Fees$1,200 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: JACKSONVILLE TBI REALTY, LLC

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.

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