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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$635,000

49 GOLDEN FERN Drive, St. Augustine, FL 32092, St. Augustine, FL 32092

Silver Landing

Price
$635,000
Beds / Baths
4 / 3
Living area
2,756 sqft
Year built
2023
Type
Residential
Lot
0.2 ac
Garage
3
HOA
$35/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
4

Welcome home to this beautifully upgraded home offers approximately 2,756 sqft of thoughtfully designed living space in the highly sought-after SilverLeaf community of St. Augustine. Inside, enjoy custom built-ins with an electric fireplace, an added bar area, and extra cabinetry, including enhanced storage in the laundry room. The screened-in patio and fully fenced backyard create the perfect setting for relaxing or entertaining while enjoying Florida living. SilverLeaf features resort-style amenities, including multiple pools, splash pads, tennis and pickleball courts, playgrounds, a dog park, clubhouse, and miles of walking and biking trails through scenic preserves. Located in St. Johns County with top-rated schools and no CDD fees, this home is just minutes from shopping, dining, beaches, and historic downtown St. Augustine. Move-in ready and full of upgrades--this is SilverLeaf living at its best.

What to check on this one

  • Verify HOA $35/mo covers all amenities; request full HOA docs and reserve study.
  • Confirm flood zone designation and obtain elevation certificate if in AE/VE zone.
  • Request builder warranty documentation and any outstanding construction defect claims.
  • Verify all custom upgrades (built-ins, fireplace, bar) included in sale and permitted.
  • Review SilverLeaf CC&Rs for rental restrictions and short-term-rental eligibility rules.

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$3,295/mo
Property tax (1.1% eff., St. Johns Co.)$582/mo
Homeowners insurance (est.)$370/mo
HOA$35/mo
All-in monthly (est.)$4,282/mo

Loan $508,000 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 ROUND TABLE REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 2:46 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.