Waterford Lakes at Silverleaf
Homes for Sale in St. Augustine, FL
All 1,143 homes for sale in St. Augustine, FL · median $479,990 · 162 townhomes for sale in St. Augustine · 405 homes for sale in 32092 · St. Johns County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Waterford Lakes in St. Augustine, FL has 13 homes for sale, asking from $229,900 to $354,000 (median $317,000). Over the 12 months ending 2026-10-01, 6 recorded sales closed at a median of $281,450, $204 per square foot, a median 64 days on market, sellers accepting 96% of original asking (-5% versus the prior year). Homes listed or recently sold were built 2022–2024; 19 of 19 report an HOA (median $128/mo); none of the 19 geocoded homes sit in a FEMA special flood hazard zone (median elevation 23 ft). At the median price and St. Johns County's FY2025-26 rate of 13.47 mills, annual property tax runs about $3,790 ($3,270 with the full homestead exemption).
Part of the SilverLeaf master-planned community in St. Augustine, FL — see all SilverLeaf homes for sale (154 listings across 12 villages and sections in the MLS).
Homes For Sale Right Now in Waterford Lakes at Silverleaf
Live MLS inventory for Waterford Lakes at Silverleaf. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 55 daysTop listing
Active · 194 days
Active · 541 days
Active · 35 days
Active · 34 days
Active · 27 days
Active · 4 days
Active · 39 days
Active · 140 days
Active · 148 days
Active · 119 days
Active · 20 days
Active · 40 daysActive and pending Waterford Lakes at Silverleaf listings as of 2026-10-01, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Waterford Lakes at Silverleaf is a small enough pocket of St. Augustine that the numbers move on a handful of sales rather than a large sample. With only 6 closings feeding this snapshot and 7 active listings, the median price of $264,950 and median price per square foot of $209.50 reflect the specific mix of homes that happened to trade, not a broad, stable trend line. Buyers should read the median as a starting orientation point rather than a precise valuation of any single property.
At 14 months of supply and a buyer-leaning market posture, sellers here are not in a position to dictate terms. Median days on market of 64 confirms it: homes are sitting past the two-month mark before going under contract. For a buyer, that translates into real negotiating room on price, closing costs, or repairs. For a seller, it means pricing has to be sharp from day one and the home needs to show well, because there is enough active inventory relative to the pace of closings that an overpriced listing will simply sit.
Waterford Lakes at Silverleaf right now
🟢 Buyer-leaning market. 26.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of October 1, 2026. Confidence: High (13 active and pending listings, 6 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($281K) is down 4.6% from the prior 12 months ($295K).Momentum Research, record-level realMLS closed sales, 12-month windows ending October 1. Confidence: Low (6 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 2, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Waterford Lakes at Silverleaf market snapshot (as of October 1, 2026): the median sale price is about $281K ($204 per sq ft over the trailing 12 months of closed sales), a median 64 days on market for closed sales, and 26.0 months of supply, a buyer-leaning market. The trailing-12-month median is down 5% from the prior 12 months, computed from record-level realMLS closed sales (6 closings in the current window).
In ZIP 32092 (St. Augustine), 2,483 homes closed in the last 12 months at a median of $456K ($213/sq ft), down 2.5% year over year, with a median 43 days on market. Right now 411 active and 201 pending listings put supply at about 4.0 months — a balanced market. See the live ZIP 32092 housing market and the St. Johns County market.
County records show 52 qualified sales in Waterford Lakes across 2024–2025 (50 in 2024, 2 in 2025), median $331,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Waterford Lakes: of 14 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary — verify any specific address at msc.fema.gov. See flood zones by neighborhood in St. Augustine.
Waterford Lakes at Silverleaf is a community of 399 homes in St. Augustine, St. Johns County, built between 2022 and 2024 (median 2023), with a median living area of about 1,804 square feet. 61% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
With just 7 homes active and 6 recent closings, Waterford Lakes at Silverleaf trades in small numbers, which is part of why the current 14-month supply reading and buyer-leaning posture matter more here than in higher-volume communities.
The setting & the homes.
Aerial and on-site photos of Waterford Lakes at Silverleaf. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Waterford Lakes at Silverleaf
Waterford Lakes at Silverleaf
Waterford Lakes at Silverleaf
Waterford Lakes at Silverleaf
Waterford Lakes at Silverleaf
Waterford Lakes at SilverleafPhotos from realMLS listings in Waterford Lakes at Silverleaf; content deemed reliable but not guaranteed.
Who Waterford Lakes at Silverleaf is best for.
Best for
- Buyers with a flexible timeline who can negotiate patiently in a market averaging 64 days on market.
- Buyers targeting a purchase near the $264,950 median who are comfortable with a small, low-volume comp set.
- Sellers willing to price sharply against $209.50 per square foot rather than testing the top of the market.
Probably not for
- Buyers who need a large sample of recent closings to feel confident about pricing precision.
- Sellers expecting a quick sale in a market currently running about 14 months of supply.
- Anyone hoping a quick online number can replace a sale-by-sale review of the 6 closings behind this data.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 1 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($281K) IS the median in the snapshot above, and the move from 2025 ($295K) IS the -4.6% one-year change.
Windows contain 3 to 223 sales each (6 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
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.
0% of homes for sale in Waterford Lakes at Silverleaf are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-02).
Waterford Lakes at SilverLeaf Market Scorecard
Waterford Lakes at SilverLeaf is currently a strong buyer's market. About 26.0 months of supply, a median asking price of $317,000, and homes go under contract in about 40 days.
Typical home value in the 32092 ZIP is $464,115, about 23.8% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Waterford Lakes, St. Augustine
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Waterford Lakes at Silverleaf on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Waterford Lakes at Silverleaf
- Pool · reported on 11 of 12 listings
- Gated · reported on 10 of 12 listings
- Fitness Center · reported on 9 of 12 listings
- Security Gate · reported on 8 of 12 listings
- Clubhouse · reported on 7 of 12 listings
- Children's Pool · reported on 6 of 12 listings
- Maintenance Grounds · reported on 5 of 12 listings
- Playground · reported on 4 of 12 listings
- Jogging Path · reported on 2 of 12 listings
- Tennis Court(s) · reported on 1 of 12 listings
- Basketball Court · reported on 1 of 12 listings
- Dog Park · reported on 1 of 12 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Waterford Lakes at Silverleaf are close: the nearest coffee is about 3 minutes away.
- Foxtail Coffee Co. & Kelly's Ice Cream Silver Leaf · Coffee3 min
- Publix Super Market at Silverleaf Market · Groceries5 min
- The Windy City On Wheels · Dining5 min
- St. Johns Commons · Shopping10 min
- Clinica de la vista · Health12 min
- Bluegreen Vacations Grande Villas at World Golf Village · Parks13 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Coastline Way (202 homes on record)
- Java Lane (57 homes on record)
- Barley Street (48 homes on record)
- Ember Street (38 homes on record)
Nearby Communities
Explore more neighborhoods near Waterford Lakes at Silverleaf with Momentum Realty’s local guides.
Schools
- St. Johns County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Wards Creek Elementary (St. Johns)FLDOE grade A · Public K-5
- Pacetti Bay Middle (St. Johns)FLDOE grade A · Public 6-8
- Tocoi Creek High (St. Johns)FLDOE grade A · Public 9-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with St. Johns County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Waterford Lakes at Silverleaf address.
Shop the zone: Homes zoned for Liberty Pines Academy · Homes zoned for Wards Creek Elementary School · Homes zoned for Liberty Pines Academy · Homes zoned for Pacetti Bay Middle School · Homes zoned for Beachside High School · Homes zoned for Tocoi Creek High School
Recent Developments in Waterford Lakes at SilverLeaf
Development, infrastructure, retail, and school activity affecting Waterford Lakes at SilverLeaf, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.
- June 2026Development
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.
What it may mean for the marketA hospital system campus inside the master plan may shorten routine care trips for Waterford Lakes at SilverLeaf residents as specialties come online.
Source: Jacksonville Today - June 2026Schools
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.
What it may mean for the marketZoning for Waterford Lakes at SilverLeaf could change as the new campus opens, so buyers may want to confirm current attendance boundaries with the district.
Source: First Coast News - March 2026Retail & Dining
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.
What it may mean for the marketAn anchor grocer inside the master plan may reduce everyday drive times for Waterford Lakes at SilverLeaf households and support additional inline retail.
Source: Jacksonville Daily Record - June 2025Parks & Amenities
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.
What it may mean for the marketA county sportsplex minutes from Waterford Lakes at SilverLeaf could add recreation capacity that master planned communities have historically leaned on for resale appeal.
Source: St. Johns County - April 2022Builder Activity
DR Horton Aspen townhome in Waterford Lakes featured in the 2022 Parade of Homes
NEFBA's Parade of Homes archive lists the Aspen, a two bedroom townhome of 1,210 square feet priced at 324,260 dollars, with the neighborhood recorded as SilverLeaf Waterford Lakes. The entry ran in the 2022 Parade, and the listing notes the gated village's own pool, splash pad, fitness center and covered pavilion.
What it may mean for the marketParade inclusion at this price point may have positioned Waterford Lakes as the master plan's most attainable gated townhome option that year.
Source: NEFBA Parade of Homes
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Waterford Lakes at Silverleaf buying strategy.
If we were buying in Waterford Lakes at Silverleaf 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Waterford Lakes at Silverleaf.
A thin market with room to negotiate
The core figures for Waterford Lakes at Silverleaf: a median sale price of $264,950, a median of $209.50 per square foot, and a median 64 days on market across the 6 closings in this window. Against 7 active listings, that works out to roughly 14 months of supply as of 2026-07-11 — a buyer-leaning market by any standard reading of that ratio.
That combination of low transaction volume and a long months-of-supply figure is worth sitting with before making an offer or setting a list price. A 64-day median time on market means the homes that did sell were not moving quickly, and with more active inventory than the recent pace of closings can absorb in a short span, pricing discipline matters more than usual. Buyers have room to negotiate; sellers need a realistic number tied to $264,950 and $209.50 per square foot rather than to what a home might have fetched in a faster market.
The location and the amenities are priced into every listing in Waterford Lakes at Silverleaf. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Waterford Lakes at Silverleaf buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (4.6). Basis: Recent Direction -4.6% year-over-year; Liquidity & Demand 26.0 months of supply; Owner Commitment 61% owner-occupied; Pricing Power 96.2% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community with only 7 active listings and 6 recent closings, there is no shortcut to a hand-prepared read of value — a quick online estimate cannot account for the specific condition and pricing history behind each of those few transactions. Momentum builds valuations off the realmls feed data directly, sale by sale, so a buyer or seller gets a number tied to what has actually closed in Waterford Lakes at Silverleaf, not a generic algorithmic guess.
Waterford Lakes at Silverleaf in 15 seconds.
HOA, CDD & Fees
- No CDD
- HOA reported ~$383/quarter
- 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.
Page states no CDD.
Tools for a Waterford Lakes at Silverleaf 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 Waterford Lakes at Silverleaf sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waterford Lakes at Silverleaf, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waterford Lakes at Silverleaf home worth?
Get a no-obligation home value based on real comparable sales in Waterford Lakes at Silverleaf, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in Waterford Lakes
Homes in Waterford Lakes that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 6 on record.
- 186 Coastline Way · off market
- 29 Ember Street · off market
- 548 Coastline Way · off market
- 70 Barley Street · off market
- 81 Temple Drive · off market
- 98 Coastline Way · off market
Price History: What Homes Here Have Actually Sold For
Median sale prices in Waterford Lakes at Silverleaf Homes for Sale in St year by year since 2022, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
What is the median home price in Waterford Lakes at Silverleaf?
How long do homes in Waterford Lakes at Silverleaf take to sell?
Is Waterford Lakes at Silverleaf a buyer's or seller's market right now?
How many homes are in Waterford Lakes at Silverleaf?
What share of Waterford Lakes at Silverleaf is owner-occupied?
When were the homes in Waterford Lakes at Silverleaf built?
What schools serve Waterford Lakes at Silverleaf?
Who is the best real estate agent for Waterford Lakes at Silverleaf?
How do I find a top St. Augustine real estate agent who knows Waterford Lakes at Silverleaf?
Can Momentum Realty connect me with an agent for Waterford Lakes at Silverleaf?
Where is Waterford Lakes at Silverleaf, and what county is it in?
How far is Waterford Lakes at Silverleaf from downtown Jacksonville and the beach?
Is Waterford Lakes at Silverleaf in a flood zone?
Is Waterford Lakes at Silverleaf a good place to live?
Should you buy in Waterford Lakes at Silverleaf?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 1, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 1, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 32092)) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2022 (382 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.
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More on Waterford Lakes at Silverleaf
- Home values · What homes in Waterford Lakes at Silverleaf actually sell for
- Find an agent · How to choose the best real estate agent in Waterford Lakes at Silverleaf