Single Family Residence in Silver Landing, St. Augustine · No CDD on record · Built 2025
Silver Landing · St. Augustine, FL 32092 · St. Johns County
Listing data updated October 1, 2026 · refreshed hourly
4Bedrooms
3Bathrooms
2,660Sq Ft
2025Year Built
$310Per Sq Ft
Private pool3-car garageNo CDD on recordFEMA Zone X4 bedrooms
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.
39% above
$/sq ft vs community
$310 here vs $223 median sold (12 mo)
Buyer leverage
Buyer advantage
87 days on market
3.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~28 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 1, 2026, 61 YORKSHIRE Drive in Silver Landing, St. Augustine is listed at $825,000 (2,660 sq ft, about $310 per sq ft). That is 38% above Silver Landing's median closed sale of $599,495 over the last 12 months (74 recorded sales). Per square foot it is above the community's recent $223/sq ft by about 39%. It has been 87 days on market, longer than the community's typical 53 days to contract. Listing facts: built in 2025, a private pool, HOA dues of $100/mo. 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.
No CDD assessment on record
Built 2025 · 1 yrs
2,660 sq ft of living area
3-car garage
Listed at $825,000 — recent neighborhood median sale price ~$599,495 (nearby sales; deemed reliable, not an appraisal)
87 days on market
HOA $100/mo (per listing)
School district: School GreatSchools Links St. Johns County SchoolCommunity built 2022–2027Publix · 3 min drivePours · 5 min driveWhataburger · 6 min drive
Listing description
About this home
Luxury Florida living in SilverLeaf. Set on a 70' wide private lot, this MasterCraft Mason floor plan offers a rare combination of quality, privacy, and resort-style outdoor living. The single-story design features 4 bedrooms, 3 baths, a versatile flex space, designer kitchen finishes, a large walk-in pantry, and an oversized 3-car garage.
The private backyard retreat is the showpiece, complete with a large 16,000-gallon heated saltwater pool, extended-view screen enclosure, covered lanai, and oversized outdoor space designed for relaxing, entertaining, and year-round enjoyment. Beyond the home, SilverLeaf offers multiple amenity centers, no CDD fees, and a prime location within one of St. Johns County's most desirable growth corridors, surrounded by existing and expanding retail, dining, medical services, commercial development, and major commuter routes.
A thoughtfully upgraded home offering the privacy, space, and lifestyle that make SilverLeaf one of the area's premier communities.
All 44 photos
Description provided by FLORIDA HOMES REALTY & MTG LLC 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$825,000
Bed / bath4 / 3
Living area2,660 sq ft
Year built2025
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #2154436
Listing status87 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~28 ft
CountySt. Johns
Area listings23 active · 10 under contract
Estimated first-year tax~$7,095/yr
CDD assessmentNone on record
HOA$100/mo
Calculated estimates
Price per sq ft$310
Estimated monthly payment$5,318
Insurance (illustrative)$2k–$4k/yr
Messtimate range$622,440 – $686,280
Comparable-sales median$599,495
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
$5,318/mo
Principal & interest $4,404/mo83%
Taxes $591/mo11%
Insurance $222/mo4%
HOA $100/mo2%
$5,318/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.)
~$7,095/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
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/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
$100/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
~28 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 · Silver Landing
Pricing & the Silver Landing market
How this home is priced against recent nearby sales, and where Silver Landing 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 Silver Landing
Each dot is a closed sale since 2022 (439 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 $310/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2025BuiltPer public record
About Jul 2026Listed (per MLS)MLS reports 87 cumulative days on market as of October 1, 2026
Jul 10, 2026First seen on movewithmomentum.comObserved at $825,000
NowActiveCurrently for sale
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 $825,000Momentum Realty · on market 87 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 Silver Landing 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
$599,990
956 SILVER LANDING Drive, St. Augustine
5 / 4 bd/ba · 2,681 sq ft · $224/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Jul 2026
$640,000
366 SILVER LILY Way, St. Augustine
4 / 4 bd/ba · 2,728 sq ft · $235/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Jul 2026
$730,000
46 IRIS CREEK Drive, St. Augustine
5 / 3 bd/ba · 2,796 sq ft · $261/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Aug 2026
$650,000
531 EAGLE MOON LAKE Drive, St. Augustine
4 / 3 bd/ba · 2,518 sq ft · $258/sq ft
Courtesy of KAREN T CHAPPELL REALTY LLC · View details →
Sold Sep 2026
$585,000
365 SILVER LILY Way, St. Augustine
4 / 3 bd/ba · 2,500 sq ft · $234/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold Sep 2026
$600,000
139 GRAND RIVAGE DRIVE Drive, St. Augustine
4 / 3 bd/ba · 2,496 sq ft · $240/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Median of these 6 sales: $599,495 ($223/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.
$622,440the mess$686,280
Stronger local evidence — 6 comparable closed sales in Silver Landing, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $825,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 10% 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 — 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 $100/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
This home: 87 days on market vs. a 54-day community median
23 active listings competing, 10 under contract
≈3.7 months of supply
74 closed here in the last 12 months
For reference, this home is listed at $825,000 ($310/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: 2,660 sq ft × $234–$258/sq ft (interquartile band of 6 comparable closed sales in Silver Landing, 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
49/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
49/100 is below average 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 area0
This home $310/sq ft vs the community 12-month median $223/sq ft.
Affordability0
List price $825,000 vs the community median $599,495. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~28 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2025 build. Obtain a property-specific quote.
Market liquidity56
Community median 54 days on market, ~3.7 months of supply (12-month record).
Pricing power61
Recent sales closed at about 95.8% of original asking (~4.2% below). More room below asking generally favors buyers.
Coverage: 6 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
🟢 Buyer-leaning conditions around this listing. 3.7 months of supply in the surrounding market and 87 days on market for this home, against a 54-day area median.Days on market:this home 87Area median: 54 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of September 30, 2026.
🟡 Asking $310 per square foot, about 39% above the community’s $223 median. Silver Landing’s 12-month median sold price per square foot is $223. Median sold price per square foot is up 0.0% year over year. Confidence: Very High · 74 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.
45% of homes in Silver Landing are owner-occupied. An estimated 55% are non-owner-occupied, including 25% held in a company or trust and 1% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 324 homes matched. Community-level context.
Recent Silver Landing sales closed near 95.8% 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 September 30, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 23 active listings in Silver Landing, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by FLORIDA HOMES REALTY & MTG LLC · MLS # 2154436
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Keep looking
Similar homes for sale near Silver Landing
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 Silver Landing 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 Silver Landing 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 Silver Landing 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 Silver Landing at SilverLeaf could add recreation capacity that master planned communities have historically leaned on for resale appeal.
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 CreekAssigned elementary school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Pacetti BayAssigned middle school · St. Johns County School District · Grade A (Florida DOE 2025-26)
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 →
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 3 min
Dining
Whataburger 6 min
Shopping
Mill Creek Crossing 7 min
Parks
Bluegreen Vacations Grande Villas at World Golf Village 11 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 61 YORKSHIRE Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $100/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 2,660 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 $7,095/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.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 1, 2026)
Comparable sales
realMLS closed sales in Silver Landing, last 18 months, as of September 30, 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 61 YORKSHIRE Drive and when was it built?
Per the listing record, 61 YORKSHIRE Drive was built in 2025 and has 2,660 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 61 YORKSHIRE Drive in?
61 YORKSHIRE Drive is in Silver Landing in St. Augustine, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 61 YORKSHIRE Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $100 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 61 YORKSHIRE Drive differ from the current owner's?
The estimate on this page (about $7,095 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.
Is 61 YORKSHIRE Drive 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 61 YORKSHIRE 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.
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.
