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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$1,049,900

128 ARBOR CREEK Drive, St. Augustine, FL 32092

Silverleaf

Price
$1,049,900
Beds / Baths
4 / 4
Living area
3,164 sqft
Year built
2026
Type
Residential
Lot
0.21 ac
Garage
3
HOA
$142/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
195
Elementary
Liberty Pines Academy
Middle
Liberty Pines Academy
High school
Tocoi Creek

$332/sqft asking, vs a $205/sqft median across 2,774 closed sales in 32092 over the last 12 months — 62% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Discover refined Southern elegance in the ''Ella'' 4-bedroom, 4-bath residence by Mastercraft Builder Group in the gated NO CDD community of Hidden Creek at Silverleaf. Soaring 12-foot ceilings and stacked transom windows bathe the main living spaces in natural light, enhancing the home's open, sophisticated ambiance. The gourmet kitchen is a true centerpiece, showcasing double-stacked cabinetry in timeless neutral tones, an oversized statement island with decorative detailing, and seamless flow ideal for both everyday living and elevated entertaining. Warm, neutral hardwood flooring extends throughout the main spaces, creating a sense of continuity and understated luxury. Thoughtful design elements include a discreet pocket office, versatile flex room, walk-in pantry, and an expansive laundry room complete with cabinetry and sink. Outdoors, a massive extended covered lanai invites effortless indoor-outdoor living, perfect for quiet mornings or hosting memorable gatherings.

What to check on this one

  • Verify builder warranty coverage dates and transferability to next owner.
  • Confirm HOA $142/mo includes what services; request current reserve study.
  • Obtain final Certificate of Occupancy and all builder closing documents.
  • Verify flood zone designation and obtain elevation certificate if in AE/VE.
  • Request 4-point inspection option (new construction, but lender may require).

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$5,448/mo
Property tax (1.1% eff., St. Johns Co.)$962/mo
Homeowners insurance (est.)$612/mo
HOA$142/mo
All-in monthly (est.)$7,164/mo

Loan $839,920 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 PERRY HOMES. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 6:46 AM.

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.