Townhouse in Waterford Lakes, St. Augustine · No CDD · Built 2023
Waterford Lakes · St. Augustine, FL 32092 · St. Johns
Listing data updated August 29, 2026 · refreshed twice daily
3Bedrooms
2.5Bathrooms
1,722Sq Ft
2023Year Built
$189Per Sq Ft
Waterfront1-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
8% below
$/sq ft vs community
$189 here vs $206 median sold (12 mo)
Buyer leverage
Strong buyer advantage
26.4-month supply
26.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 5 of 5
Price vs recent sales
Asking $325k tops 5 of the last 5 closed sales; also one of the largest homes here at 1,722 sq ft
Listed at $325,000 — recent neighborhood median sale price ~$259,900 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $127/mo (per listing)
School district: School GreatSchools Links St. Johns County SchoolCommunity built 2022–2024Foxtail Coffee Co. & Kelly's Ice Cream Silver Leaf · 3 min drivePublix Super Market at Silverleaf Market · 5 min driveThe Windy City On Wheels · 5 min drive
Momentum Research · Waterford Lakes
Pricing & the Waterford Lakes market
How this home is priced against recent nearby sales, and where Waterford Lakes has been over 25 years. Momentum Research analysis of realMLS 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 Waterford Lakes
Each dot is a closed sale since 2022 (381 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $189/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2023BuiltPer public record
Aug 29, 2026First trackedObserved at $325,000
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.
Financing
Estimated monthly payment
$2,123/mo
Principal & interest $1,671/mo79%
Taxes $233/mo11%
Insurance $92/mo4%
HOA $127/mo6%
$2,123/mo at 20% down, 30-yr @ 6.66% · edit any field to update.
Estimated from today’s asking price and current St. Johns County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,050/yr ($338/mo)
-$350 more each year
(--9%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
38/100
Strongest on: Price vs area (71), Pricing power (48)
0 limited50100 exceptional
38/100 is limited 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 area71
This home $189/sq ft vs the community 12-month median $206/sq ft.
Affordability8
List price $325,000 vs the community median $259,900. Not a measure of personal affordability.
Market liquidity32
Community median 58 days on market, ~26.4 months of supply (12-month record).
Renovation upside30
From a 2023 build and $189/sq ft vs the community median $206/sq ft. Not a condition assessment.
Pricing power48
Recent sales closed at about 98.5% of original asking (~1.5% below). More room below asking generally favors buyers.
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.
Momentum Research
The Momentum read
🟡 Asking $189 per square foot, about 8% below the community’s $206 median. Waterford Lakes’s 12-month median sold price per square foot is $206. Median sold price per square foot is down 11.9% year over year. Confidence: Low · 5 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 Waterford Lakes sales closed near 98.5% of original asking.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 28, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 11 active listings in Waterford Lakes, no CDD assessment.
Updated August 29, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Live Where Others Vacation! Welcome to this beautifully situated 3-bedroom, 2.5-bath townhome in Waterford Lakes, a gated community within the highly desirable SilverLeaf planned community in St. Johns County, known for its A-rated schools, and incredible amenities.
This home is truly special, with one of only a select few townhome lots offering an unobstructed pond view and very private open park-like greenspace. The sellers added a huge custom pavered patio, creating an exceptional outdoor living and entertaining space. The tranquil water view and expansive greenspace were among the features that made this home stand out and inspired the current owner to purchase.
Inside, you'll find custom tile flooring throughout the entire downstairs, an open floor plan with high ceilings, and a spacious family room overlooking the pond. The impressive kitchen features granite countertops, a huge California-style counter, abundant cabinetry, gas oven, and stainless-steel appliances--all appliances convey. The screened porch offers plenty of room to relax while enjoying the peaceful water and greenspace views.
All three bedrooms are upstairs, with the flexible layout offering the possibility of a home office or study. Investment opportunity: The home is currently tenant occupied with an excellent rental history. The lease expires December 15, 2026, and the tenant would like to remain if the new owner is willing to continue the tenancy.
Enjoy all that SilverLeaf has to offer, including resort-style amenities, pools, fitness, parks, trails, and recreational spaces, all conveniently located near shopping, dining, major roadways, and beaches. Rare setting. Beautiful home.
Exceptional lifestyle. Live where other people vacation!
Description provided by ENGEL & VOLKERS FIRST COAST and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
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$325,000
Bed / bath3 / 2.5
Living area1,722 sq ft
Year built2023
Property typeTownhouse
Garage1-car
MLS #2162460
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureModerate
CountySt. Johns
Area listings11 active · 0 under contract
Estimated first-year tax~$2,795/yr
CDD assessmentNone on record
HOA (per listing)$127/mo
Calculated estimates
Price per sq ft$189
Estimated monthly payment$2,123
Insurance (illustrative)$1k–$2k/yr
Messtimate range$325,458 – $366,786
Comparable-sales median$259,900
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
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.
$325,458the mess$366,786
Actual list price: $325,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 13% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
11 active listings competing, 1 under contract
≈26.4 months of supply
5 closed here in the last 12 months
For reference, this home is listed at $325,000 ($189/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: 1,722 sq ft × $189–$213/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 29, 2026.
Keep looking
Similar homes for sale near Waterford Lakes
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.
Listed for $325,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
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.)
~$2,795/yr
A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$127/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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in Waterford Lakes
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 Waterford Lakes neighborhood guide for more.
Comparable sales found
5
Recent nearby closings in the data set.
Community median sale price
$259,900
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$206
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Waterford Lakes
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.
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 Waterford Lakes 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 Waterford Lakes 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 Waterford Lakes 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 Waterford Lakes at SilverLeaf could add recreation capacity that master planned communities have historically leaned on for resale appeal.
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 5 min
Dining
The Windy City On Wheels 5 min
Shopping
St. Johns Commons 10 min
Parks
Bluegreen Vacations Grande Villas at World Golf Village 13 min
Assigned schools
Assigned schools
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.
Liberty Pines AcademyAssigned elementary school · St. Johns County School District
Liberty Pines AcademyAssigned middle school · St. Johns County School District
GRADEA
Tocoi CreekAssigned high school · St. Johns County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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 Apr 2026
$317,000
548 COASTLINE Way, St. Johns
3 / 2.5 bd/ba · 1,687 sq ft · $188/sq ft
Courtesy of SIMP REALTY GROUP LLC · View details →
Courtesy of PONTE VEDRA CLUB REALTY, INC. · View details →
Community 12-month median: $206/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.
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$1,490 – $2,167/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$677 – −$68At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: August 29, 2026)
Community market stats
realMLS closed sales, as of August 28, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
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
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?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 467 COASTLINE Way 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 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.
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.
