Single Family Residence in Holly Forest, St. Augustine · No CDD · FEMA Zone X · Built 2021
Holly Forest · St. Augustine, FL 32092 · St. Johns
Listing data updated July 10, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,528Sq Ft
2021Year Built
$218Per Sq Ft
2-car garageNo CDDFEMA Zone X4 bedrooms
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 2021 · 5 yrs
2,528 sq ft of living area
2-car garage
$218/sq ft — compared with the displayed median of $224 from recent nearby sales
Listed at $550,000 — recent neighborhood median sale price ~$447,500 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
School district: School GreatSchools Links St. Johns County SchoolCommunity built 2020–2022The Windy City On Wheels · 2 min drivePublix · 4 min driveTouchton Surgery Center · 5 min drive
This listing is shown at $550,000, with 4 bedrooms and 3 bathrooms, and 2,528 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms4
Bathrooms3
Living area2,528 sq ft
Year built2021
Property typeSingle Family Residence
Financial
Est. monthly payment$3,476
Est. taxes / yr~$4,730
Est. insurance / yr~$1,963
HOA$50/mo
CDDNone on record
Price / sq ft$218
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~27 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$1,963/yr
Market
Days on market2
Neighborhood median DOM20
Active listings (area)5
Months of supply5.5
Comparable-sales median$447,500
This home2d
Area median20d
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$1,963/yr
Estimated homeowners premium; get a real quote.
Months of supply
5.5 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
45/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$3,476/mo
Principal & interest $2,868/mo83%
Taxes $394/mo11%
Insurance $164/mo5%
HOA $50/mo1%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
52/100
Strongest on: Flood safety (95), Insurance cost (80)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area57
This home $218/sq ft vs area median $224/sq ft from recent nearby sales.
Affordability12
List price $550,000 vs area median $447,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~27 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2021 build. Obtain a property-specific quote.
Market liquidity59
Area median 20 days on market, ~5.5 months of supply.
Investment metrics32
Objective supply and demand metrics for the area - not investment advice.
Renovation upside30
From a 2021 build and $218/sq ft vs area $224/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Listing facts & disclosures
$550,000
List price
As listed in the MLS
4 / 3
Bed / bath
Per the listing
2,528
Living area
Sq ft (approx.)
$218
Price / sq ft
List ÷ living area
The home
Year built2021
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$4,730/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~27 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $498,016 – $634,528
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.
$498,016the mess$634,528
Actual list price: $550,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 2 days on market vs. a ~20-day neighborhood median
5 active listings competing in Holly Forest
2 under contract now
29% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈5.5 months of supply (one market-context metric; should not be used alone)
11 closed here in the last 12 months
For reference, this home is listed at $550,000 ($218/sq ft) — a number set with analysis a Messtimate can't do.
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: 2,528 sq ft × $197–$251/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
Holly Forest market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: live MLS counts.
5Active listings
2Under contract
0New this month
5.5Months of supply
20Median days on market
29%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Property timeline
This home’s history
2021BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing 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.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,521 – $3,667/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.7%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,028 – +$3At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$550,000
Bed / bath4 / 3
Living area2,528 sq ft
Year built2021
Property typeSingle Family Residence
MLS #2154286
Listing statusNew — 2 days on market
Days on market2
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~27 ft
CountySt. Johns
Estimated first-year tax~$4,730/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$218
Estimated monthly payment$3,476
Estimated insurance~$1,963/yr
Messtimate rangeNot available on this page
Comparable-sales median$447,500
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
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$3,476
Principal & interest$2,868
Property tax$394
Insurance$164
CDD assessment$0
HOA$50
PMI$0
Down payment $110,000 · Loan $440,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$4,730/yr
The seller likely pays less due to the homestead cap. At a $550,000 purchase, expect your first full-year St. Johns bill near $4,730 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$1,963/yr
Estimate for a 2021 build in St. Johns. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~27 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Holly Forest
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Holly Forest neighborhood guide for more.
Comparable sales found
4
Recent nearby closings in the data set.
Median sale price (set)
$447,500
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$224
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$218
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Holly Forest
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.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 4 min
Dining
The Windy City On Wheels 2 min
Shopping
Shops at John's Creek 6 min
Parks
Goldfish Swim School 6 min
In the area
Recent Holly Forest at SilverLeaf news
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 Holly Forest at SilverLeaf residents as specialties come online.
New SilverLeaf K-8 on track to open for 2026-2027 with attendance boundary changes
A new K-8 campus under construction on Courtney Vista Drive in the SilverLeaf area is set to open for the 2026-2027 year, designed for roughly 1,500 students and opening with kindergarten through seventh grade. Along with a companion campus in Nocatee, the openings are expected to shift attendance boundaries for nearly 2,000 students across SilverLeaf area neighborhoods. The campus and village sit within the same SilverLeaf master plan.
Why it matters: Zoning for Holly Forest at SilverLeaf could change as the new campus opens, so buyers may want to confirm current attendance boundaries with the district.
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 Holly Forest at SilverLeaf households and support additional inline retail.
St. Johns County breaks ground on $36M Silverleaf Sportsplex
County officials held a June 20 groundbreaking for the Silverleaf Sportsplex, a roughly $36 million regional athletic complex on about 40 acres at Timberwolf Trail and County Road 16A, alongside the Shearwater Community Park project. Plans include four synthetic turf multipurpose fields, three natural grass fields, a lighted stadium field with track, playground, and concessions, with opening targeted for early 2027. The campus and village sit within the same SilverLeaf master plan.
Why it matters: A county sportsplex minutes from Holly Forest at SilverLeaf could add recreation capacity that master planned communities have historically leaned on for resale appeal.
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.
St. Johns County School District (zoning by address, verify)Public A-rated district · St. Johns County School District
New SilverLeaf K-8 (reported opening 2026-27, verify)Public K-8 · St. Johns County School District
Tocoi Creek High School (St. Johns, verify zoning)Public 9-12 · St. Johns County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Mar 2026
$570,000
530 WATERVALE Drive, St. Augustine
4 / 3 bd/ba · 2,204 sq ft · $259/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Jun 2026
$465,000
52 SETON Court, St. Augustine
4 / 3 bd/ba · 2,189 sq ft · $212/sq ft
Courtesy of REALTY ONE GROUP ELEVATE · View details →
Sold Jun 2026
$425,000
214 HOLLY FOREST Drive, St. Augustine
3 / 2.5 bd/ba · 1,968 sq ft · $216/sq ft
Courtesy of SUNSHINE REALTY LLC · View details →
Sold Sep 2025
$430,000
225 HOLLY FOREST Drive, St. Augustine
3 / 2 bd/ba · 1,864 sq ft · $231/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE · View details →
Median of the set: $224/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Keep looking
Similar homes for sale near Holly Forest
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.
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Cable
Likely
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5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $550,000Momentum Realty · on market 2 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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 317 HOLLY FOREST Drive 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.
Momentum Realty · licensed in FL & GA
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 a typical county millage rate to the list price 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.
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.
