Townhouse in Reverie at Silverleaf, St. Augustine · Built 2027
Reverie at Silverleaf · St. Augustine, FL 32092 · St. Johns County
Listing data updated October 1, 2026 · refreshed hourly
2Bedrooms
2Bathrooms
1,709Sq Ft
2027Year Built
$211Per Sq Ft
2-car garageNew constructionFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
7% below
$/sq ft vs community
$211 here vs $228 median sold (12 mo)
Buyer leverage
Strong seller market
1.6-month supply
1.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~29 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 1, 2026, 164 PENELOPE Place in Reverie at Silverleaf, St. Augustine is listed at $360,278 (1,709 sq ft, about $211 per sq ft). That sits within a few percent of Reverie at Silverleaf's median closed sale of $399,990 over the last 12 months (63 recorded sales). It came to market within the past week. Listing facts: new construction, HOA dues of $394/mo, a CDD assessment of about $1,500/yr. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
CDD assessment ~$1,500/yr
New construction — built 2027
1,709 sq ft of living area
2-car garage
Listed at $360,278 — recent neighborhood median sale price ~$399,990 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $394/mo (per listing)
School district: St. Johns County SchoolCommunity built 2024–2026Trout Creek Memorial Park and Marina · 6 min driveOutback Crab Shack · 7 min drive6 Mile Outpost · 7 min drive
Listing description
About this home
Bourton Villa, This inviting residence offers 2 bedrooms, 2 baths, and a versatile flex room ideal for a home office, hobby space, or guest space. The open layout is enhanced by soaring 10-foot ceilings and a traditional elevation that brings timeless curb appeal. The gourmet kitchen is designed for both everyday living and entertaining, flowing effortlessly into the main living areas.
The primary suite offers a comfortable retreat, while the secondary bedroom provides privacy for guests. A tray ceiling at the front porch adds an elegant architectural touch, creating a welcoming entrance. Barn door prep gives you the flexibility to customize the flex space to fit your lifestyle.
Enjoy outdoor living on the covered lanai, and take advantage of the spacious 2-car garage. This villa blends style, comfort, and thoughtful design in a peaceful setting. Nestled within the gated Reverie at Silverleaf community, this home is more than just a living space; it's a lifestyle upgrade.
All 18 photos
Description provided by OLYMPUS EXECUTIVE REALTY, INC and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$360,278
Bed / bath2 / 2
Living area1,709 sq ft
Year built2027
Property typeTownhouse
Garage2-car
MLS #2160383
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~29 ft
CountySt. Johns
Area listings9 active · 35 under contract
Estimated first-year tax~$3,098/yr
CDD assessment~$1,500/yr
HOA$394/mo
Calculated estimates
Price per sq ft$211
Estimated monthly payment$2,793
Insurance (illustrative)$1k–$2k/yr
Messtimate range$369,144 – $384,525
Comparable-sales median$399,990
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,793/mo
Principal & interest $1,923/mo69%
Taxes $258/mo9%
Insurance $92/mo3%
HOA $394/mo14%
CDD $125/mo4%
$2,793/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,098/yr
Estimate: a typical St. Johns effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
~$1,500/yr
A Community Development District bond funds roads & amenities; it appears on your tax bill and is not optional.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$394/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~29 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtRelatively Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · REVERIE AT SILVERLEAF
Pricing & the REVERIE AT SILVERLEAF market
How this home is priced against recent nearby sales, and where REVERIE AT SILVERLEAF has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in REVERIE AT SILVERLEAF
Each dot is a closed sale since 2025 (80 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Property timeline
This home’s history
2027BuiltPer public record
Aug 16, 2026First seen on movewithmomentum.comObserved at $360,278
NowUnder contractCurrently pending
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $360,278Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Reverie at Silverleaf in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Aug 2026
$355,000
373 SWAYING TREE Avenue, St. Augustine
2 / 2 bd/ba · 1,709 sq ft · $208/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Aug 2026
$369,286
367 SWAYING TREE Avenue, St. Augustine
2 / 2 bd/ba · 1,709 sq ft · $216/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Sep 2026
$381,990
359 SWAYING TREE Avenue, St. Augustine
2 / 2 bd/ba · 1,709 sq ft · $224/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Aug 2026
$402,343
351 SWAYING TREE Avenue, St. Augustine
2 / 2 bd/ba · 1,709 sq ft · $235/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Aug 2026
$383,990
85 SWEET HONEY Lane, St. Augustine
2 / 2 bd/ba · 1,709 sq ft · $225/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Sep 2026
$382,000
41 PENELOPE Place, St. Augustine
2 / 2 bd/ba · 1,709 sq ft · $224/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Median of these 6 sales: $399,990 ($228/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$369,144the mess$384,525
Stronger local evidence — 6 comparable closed sales in Reverie at Silverleaf, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $360,278 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 4% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $394/mo and a CDD assessment of about $1,500/yr; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
9 active listings competing, 19 under contract
≈1.6 months of supply
75 closed here in the last 12 months
For reference, this home is listed at $360,278 ($211/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,709 sq ft × $216–$225/sq ft (interquartile band of 6 comparable closed sales in Reverie at Silverleaf, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Scores
Momentum Property Score
69/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
69/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area69
This home $211/sq ft vs the community 12-month median $228/sq ft.
Affordability67
List price $360,278 vs the community median $399,990. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~29 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2027 build. Obtain a property-specific quote.
Market liquidity70
Community inventory, ~1.6 months of supply (12-month record).
Buyer competition61
39% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power41
Recent sales closed at about 99.7% of original asking (~0.3% below). More room below asking generally favors buyers.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $211 per square foot, about 7% below the community’s $228 median. REVERIE AT SILVERLEAF’s 12-month median sold price per square foot is $228. Median sold price per square foot is down 11.1% year over year. Confidence: Very High · 63 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent REVERIE AT SILVERLEAF sales closed near 99.7% of original asking. Cash paid for about 39% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 9 active listings in REVERIE AT SILVERLEAF.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by OLYMPUS EXECUTIVE REALTY, INC · MLS # 2160383
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Keep looking
Similar homes for sale near Reverie at Silverleaf
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Development
Baptist Health opens first phase of SilverLeaf medical campus
Baptist Health opened the first phase of its SilverLeaf medical campus on June 23 at 8595 St. Johns Parkway, a 58,979 square foot building about 3 miles north of International Golf Parkway. The opening phase houses primary care offices and a wellness center and provides cardiology, rehabilitation, and laboratory services, with orthopedic and neurology specialists scheduled to begin seeing patients in the fall. The campus and village sit within the same SilverLeaf master plan.
Why it matters: A hospital system campus inside the master plan may shorten routine care trips for Reverie at SilverLeaf residents as specialties come online.
Charlotte model at Reverie wins an exterior award at the 2026 Parade of Homes
NEFBA's 2026 Parade of Homes awards list includes the Charlotte model by Dream Finders Homes in the active adult village Reverie at SilverLeaf, winning Best Exterior Elevation and Hardscapes in the 800,000 to 1 million dollar category. Awards were presented at the NEFBA banquet on May 7 at Timuquana Country Club.
Why it matters: A design award at the top of Reverie's price range may support the village's larger floor plans with award backed marketing.
Dream Finders buys 19 more lots in Reverie phases 1 and 2
Jacksonville Daily Record's top commercial sales roundup reported that Dream Finders Homes purchased 19 residential lots in Reverie at Silverleaf Phases 1 and 2 from Florida Landbank LLC. The takedown continues the builder's land bank purchase pattern in the 55 plus village.
Why it matters: Continued lot takedowns in 2026 may indicate the village's roughly 360 home buildout is still actively progressing.
Publix opens largest Northeast Florida store at SilverLeaf Parkway
Publix opened a 55,700 square foot store at 1975 SilverLeaf Parkway near International Golf Parkway and St. Johns Parkway, its largest location in Northeast Florida and a showcase of the chain's newest prototype. Features include a Publix Pours beer, wine, and coffee bar and an expanded deli, with an adjacent liquor store and inline retail at the center. The campus and village sit within the same SilverLeaf master plan.
Why it matters: An anchor grocer inside the master plan may reduce everyday drive times for Reverie at SilverLeaf households and support additional inline retail.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Wards Creek Elementary SchoolPublic PreK-5 (SilverLeaf-area zoned) · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Pacetti Bay Middle SchoolPublic Middle 6-8 · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Tocoi Creek High SchoolPublic High 9-12 · St. Johns County School District · Grade A (Florida DOE 2025-26)
SilverLeaf K-8 (School QQ)Public K-8 (opening 2026-2027, inside SilverLeaf) · St. Johns County School District
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix Super Market at Silverleaf Market 14 min
Dining
Outback Crab Shack 7 min
Shopping
6 Mile Outpost 7 min
Parks
Trout Creek Memorial Park and Marina 6 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 164 PENELOPE Place, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $394/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
A CDD assessment of about $1,500/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,709 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,098/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 1, 2026)
Comparable sales
realMLS closed sales in Reverie at Silverleaf, last 18 months, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 164 PENELOPE Place and when was it built?
Per the listing record, 164 PENELOPE Place was built in 2027 and has 1,709 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 164 PENELOPE Place in?
164 PENELOPE Place is in Reverie at Silverleaf in St. Augustine, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 164 PENELOPE Place have an HOA, and how much are the dues?
The listing reports HOA dues of $394 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. This parcel shows a CDD assessment of about $1,500 per year; confirm the exact figure with the county.
Why might property taxes on 164 PENELOPE Place differ from the current owner's?
The estimate on this page (about $3,098 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Are short-term rentals allowed at 164 PENELOPE Place?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Is 164 PENELOPE Place in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 164 PENELOPE Place in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
