Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$589,990

77 SHY SPRUCE Circle, St. Augustine, FL 32092

Reverie at Silverleaf

Price
$589,990
Beds / Baths
2 / 2
Living area
2,029 sqft
Year built
2026
Type
Residential
Lot
0.17 ac
Garage
2
HOA
$233/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
0

Discover the Charlotte - a charming and spacious home in The Meadows Collection at Reverie at Silverleaf that's perfect for your active lifestyle! This awesome 2,029 square foot home gives you tons of room to spread out and make it your own. The open-concept great room and dining area flow right into a cool kitchen setup that's perfect for hanging out while someone's cooking or grabbing a quick snack. Plus, there's a walk-in pantry so you can stock up on all your favorites! The owner's suite is like having your own private retreat - it's super roomy with a huge walk-in closet and a bathroom that feels like a spa with double sinks. The second bedroom is perfect for guests or a roommate, and the flex room can be whatever you want - maybe a gaming room, home office, or even a third bedroom. One of the best parts? The covered lanai where you can chill outside. And don't worry about yard work - the HOA takes care of that!

What to check on this one

  • Confirm flood zone designation and elevation certificate requirement for St. Johns County.
  • Verify HOA $233/mo covers what—landscaping, amenities, insurance, reserves, special assessments.
  • Review The Meadows/Reverie at Silverleaf HOA docs, bylaws, and any pending special assessments.
  • Confirm new construction warranty coverage and builder punch-list process before closing.
  • Check HVAC, roof, and appliance warranties—standard builder inclusions or upgrade packages.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$3,061/mo
Property tax (1.1% eff., St. Johns Co.)$541/mo
Homeowners insurance (est.)$344/mo
HOA$233/mo
All-in monthly (est.)$4,179/mo

Loan $471,992 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of OLYMPUS EXECUTIVE REALTY, INC. Data via realMLS (Northeast Florida MLS), updated Feb 19, 2026, 8:28 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.