Silver Lake
Homes for Sale in St. Augustine, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 1 closed sale in Silver Lake in St. Augustine, FL, the most recent in May 2026. Across St. Augustine as a whole, 2,667 homes closed in the last 12 months at a median of $454,157, 53 median days on market, with 685 homes for sale today. At that median and St. Johns County's FY2025-26 rate of 13.47 mills, annual property tax runs about $6,120 ($5,600 with the full homestead exemption).
Silver Lake sits in St. Augustine, within St. Johns County, and the honest starting point is that we're working from a thin data snapshot here. Without a median price, days-on-market, or inventory count in front of me, I'm not going to invent one. What I can tell you is that pricing in a community like this is driven far more by the individual property — condition, lot, and how a home is finished — than by any blanket neighborhood number.
For buyers, that means the diligence is on the specific home, not the ZIP code. For sellers, it means presentation and condition do the heavy lifting on where you land. Until we pull a live comp set for a given address, treat any single figure you see quoted elsewhere with skepticism.
The 60-Second Overview
Silver Lake is a St. Augustine community in St. Johns County; the value story here runs at the property level, so the right read comes from a current, address-specific comp pull rather than a headline neighborhood number.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Silver Lake is best for.
Best for
- Buyers who want to stay in St. Johns County and will judge a home on its own condition and lot
- Sellers willing to invest in presentation, since condition drives where a listing lands here
- Buyers who value a diligence-first process over a fast, number-only pitch
Probably not for
- Buyers who need a firm price range or valuation before touring specific homes
- Sellers expecting a guaranteed sale figure without a current comp analysis
- Buyers who want a decision made purely on a headline neighborhood statistic
The market around Silver Lake
Silver Lake is too small for its own price trend, so here is the market around it.
In ZIP 32092, 651 homes are on the market and 38% are under contract — a fast-moving corner of St. Augustine.
Across St. Johns County, 1,855 homes are active and 859 pending (32% under contract).
ZIP and county figures describe the wider market, not Silver Lake specifically. Momentum Research analysis of MLS records.
The Silver Lake buying strategy.
If we were buying in Silver Lake today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Silver Lake.
The location and the amenities are priced into every listing in Silver Lake. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We work St. Johns County daily and we won't hand you a recycled neighborhood stat as if it settles the question. For Silver Lake we build the read from live, address-specific comps and tell you plainly when the fit is wrong. That candor is the whole point of working with us.
Silver Lake in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Silver Lake buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Silver Lake sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Silver Lake, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Silver Lake home worth?
Get a no-obligation home value based on real comparable sales in Silver Lake, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Silver Lake on the map →
Should you buy in Silver Lake?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-08-30 |
| Historical depth | Closed-sale records back to 2026 (1 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live your area comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Silver Lake fits the bigger picture — live prices, inventory, and Momentum Scores:
The real cost & risk here
Before the list price, the Florida math the portals skip. These are St. Johns County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · St. Johns County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.