Silverleaf 29b

239 ELM CREEK DR

Saint Augustine, FL 32092
For Sale $460,000
Price cut $475,000 ↓ $15,000 (3.2%) Sep 28
4 bd · 3 ba · Built 2023
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (lindsy.norse@cirefc.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

MOTIVATED SELLER**** Built by Richmond American in 2024, 4 bedroom, 3 full bath with a loft for extra space, this home is loaded with upgrades already completed: including a new vinyl fence, screened lanai with no-see-um mesh, whole-home water filtration with reverse osmosis, upgraded ceiling fans throughout, enhanced landscaping with palm trees and decorative white rock, and both gas and electric dryer hookups. Located in the award-winning SilverLeaf community, residents enjoy resort-style pools, splash parks, pickleball and tennis courts, playgrounds, dog parks, miles of walking and biking trails, and golf-cart-friendly living--all just minutes from shopping, dining

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $16,100
$4,180/mo
Principal & interest$3,103
Property tax (est.)$395
Insurance (est.)$345
FHA MIP$203
HOA dues$134
CDD assessment$0
Cash to close: ~$16,100 down · MIP financed
VA
$0 down
$4,102/mo
Principal & interest$3,228
Property tax (est.)$395
Insurance (est.)$345
VA fee (financed)$0
HOA dues$134
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $92,000
$3,402/mo
Principal & interest$2,528
Property tax (est.)$395
Insurance (est.)$345
PMI$0
HOA dues$134
CDD assessment$0
Cash to close: ~$92,000 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.39% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2023
SubdivisionSilverleaf 29b
Parcel (RE#)027984 0210
Legal description109/69-80 SILVERLEAF 29B-1 LOT 21 OR5903/731

Valuation · 2025

Value

Just / Market
$450,000
Assessed
$414,902
Taxable
$364,180
2025 Property Tax
$5,065
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$402 / Quarterly
CDD Assessment
—

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
2024-02-16 —

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Florida Power & Light (FPL)
💧 Water
St. Johns County Utility Department
🚽 Sewer
St. Johns County Utility Department

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Middle (zoned)
Nearby Private Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Silverleaf 29b? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Silverleaf 29b every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

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On the Market

Homes for Sale in Silverleaf 29b

Other active MLS listings in Silverleaf 29b.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 239 ELM CREEK DR?
The zoned public schools for 239 ELM CREEK DR in Silverleaf 29b are K-8 School Qq (elementary), Pacetti Bay Middle School (middle), Tocoi Creek High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 239 ELM CREEK DR?
The most recent annual property tax for 239 ELM CREEK DR is about $5,065 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 239 ELM CREEK DR?
Homes in Silverleaf 29b have an HOA fee of about $402 per quarter (based on recent MLS listings).
What would the monthly payment be on 239 ELM CREEK DR?
At about a 7.32% 30-year rate, the estimated monthly payment for 239 ELM CREEK DR is roughly $3,402 with a conventional loan (20% down), $4,180 with FHA (3.5% down), or $4,102 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Silverleaf 29b HOA. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the St. Johns County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.