Question 1

Is Silverleaf in a flood zone?

Accepted Answer

About 95% of SilverLeaf homes sit in FEMA Zone X, the minimal-risk designation that does not require mandatory flood insurance. The remaining share — typically waterfront or water-adjacent homes — fall in higher-risk flood zones where a lender will require flood insurance. Always confirm the specific flood zone for any individual property before you write an offer.

Question 2

What schools serve Silverleaf?

Accepted Answer

SilverLeaf is served by the St. Johns County School District. Depending on the specific address, elementary students may attend Liberty Pines Academy, Wards Creek, or Magnolia Oaks Academy; middle schoolers Pacetti Bay or Liberty Pines Academy; and high schoolers Tocoi Creek High School. Confirm the current assigned schools for any address, since attendance zones can change.

Question 3

How much do homes in Silverleaf cost?

Accepted Answer

SilverLeaf offers a wide price range. Homes and townhomes start from the low $300s, and larger single-family estates reach up to roughly $1.5 million. Sizes run from about 1,289 to 4,757 square feet with 2 to 6 bedrooms, so pricing depends heavily on floor plan, lot, and finishes.

Question 4

Are there HOA and CDD fees in Silverleaf?

Accepted Answer

There is no CDD in SilverLeaf — and in St. Johns County’s master-plan market, that is the headline: while most large communities here carry a district assessment on the tax bill, SilverLeaf’s developer built without district financing. What you pay instead is a layered HOA. The master association runs about $1,200 a year on most single-family listings; some gated enclaves carry their own line (Evergreen Island listings currently show $2,000 a year); townhome sections run roughly $233–$394 a month with exterior and lawn care bundled in; and Reverie, the gated 55+ village by Toll Brothers inside SilverLeaf, runs about $364–$400 a month with its own amenity campus. Every figure above comes from live MLS listings in this community, and the right comparison is always total carry — a no-CDD home with a $2,000 HOA can still cost less to hold than a CDD community with a $50 HOA. I run that math for buyers on every home.

Question 5

Is Silverleaf a new-construction community?

Accepted Answer

Yes. SilverLeaf is an active new-construction community within the larger SilverLeaf master plan near St. Augustine, with a large share of newly built homes and construction years including 2022, 2025, and 2026. It offers both single-family homes and townhomes, several within a gated setting, and includes homes offered in an active-adult (55+) format.

Question 6

Are there custom luxury homes in SilverLeaf?

Accepted Answer

Yes — at the community’s own scale. SilverLeaf’s luxury tier is its custom and semi-custom builds, concentrated in the gated villages (Newbrook, Hidden Creek, and Evergreen Island), where the largest homes currently ask into the low $1 millions. That’s a different product than the multi-million estate market closer to the coast: what SilverLeaf’s top tier offers is a brand-new custom build, estate-scale lots by village standards, and the community’s signature financial advantage — no CDD fee, which saves owners thousands a year against comparable master plans.

Question 7

How do St. Johns County’s big master-planned communities structure their fees?

Accepted Answer

Every big master plan in the county funds its amenities differently, and the HOA line alone will mislead you on all five. Julington Creek: the CDD owns the amenities outright — rec center, water park, Sportsplex — and charges $1,385/yr for a single-family home (FY2025 adopted), one of the county’s most modest district lines because the build-out is long financed; HOA about $580/yr. Aberdeen: HOA about $50/yr, with the Aberdeen CDD carrying the amenity structure at roughly $1,994–$2,803/yr scaled by lot width (FY2026 adopted budget). Murabella: the same inversion — HOA $50–$150/yr, Murabella CDD on the order of $2,800/yr. Markland: a real POA plus the Southaven CDD at roughly $3,000–$3,500/yr scaled by lot width. Silverleaf: the outlier — no CDD at all, with a master HOA near $1,200/yr plus sub-neighborhood dues by section. Every figure comes from the districts’ own adopted budgets or live MLS listings, and the lesson is the same everywhere: compare total carry — HOA plus district line plus taxes — not the association sticker. I run that side-by-side for buyers deciding between these communities.

Question 8

SilverLeaf vs RiverTown: which really costs less to own?

Accepted Answer

They’re the corridor’s two giants, and they fund themselves in opposite ways. RiverTown runs on the CDD model: a ~$53-a-year HOA, with the Rivers Edge districts carrying the amenity campuses on the tax bill — roughly $2,000–$4,900 a year for most single-family homes depending on lot width and phase, per the district’s own FY2026 budget. SilverLeaf is the no-CDD outlier: no district line at all, with a master HOA near $1,200 a year plus sub-neighborhood dues by section. Neither is automatically cheaper — a RiverTown home’s total carry can beat a SilverLeaf home’s once you add SilverLeaf’s sub-association tiers, and the reverse is just as common. What you’re actually choosing is amenity model (RiverTown’s riverfront campuses vs SilverLeaf’s spread of village parks) and bill structure (tax bill vs association dues). I run the true side-by-side — HOA plus district line plus taxes — for every buyer deciding between them.

Question 9

How much is my home in Silverleaf worth?

Accepted Answer

The honest answer is a range until someone walks the house. The spread inside Silverleaf comes from lot, condition and timing, and a public estimate flattens all of that into a ZIP-code average. Follow this page and every Silverleaf listing, price change and recorded sale reaches you as it posts. For the real number, I prepare a valuation against Silverleaf's recent sales, free and without obligation.

Question 10

How long does it take to sell a home in Silverleaf?

Accepted Answer

It depends on the market you list into, not the one you read about. The snapshot on this page tracks Silverleaf's pace from live MLS activity rather than a static average, and it shifts: a tight-inventory spring and a heavy-inventory fall give different answers. Before setting a price or a timeline, I read Silverleaf's current pace, how recent sales closed against their list prices, and what your home's competition looks like the week we launch.

Question 11

What does it cost to sell a home in Silverleaf?

Accepted Answer

A few lines beyond the obvious ones. In Silverleaf, plan on the commission you and I agree on, Florida's documentary stamp tax on the deed (70 cents per $100 of price), title and closing charges that follow local custom, and the association's estoppel letter; handled correctly it is paperwork, handled late it stalls a contract. I put the full seller's net sheet in front of you before the sign goes up; the true-cost promise on this site runs in both directions.

SilverLeaf Homes for Sale, St. Johns County

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