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301 SILVER REEF Lane, Saint Augustine, FL, 32095

4beds
2baths
2,300sqft
$545,000
$237price/sqft
$3,937/moest. monthly cost
$157,480/yrincome needed

About This Home

Beautiful newer construction lakefront home in highly desirable St Johns County w best school districts! Brand new schools in neighborhood. K-8 & 9-12. Brand new hospital a few miles down the road. Only 16 miles away from downtown Historic St Augustine, beaches, dining, shopping. Home is approximately 5 years old (only 1 owner). A Spacious open floor plan w a 4 Bedroom, 2 Bath home offers modern updated living w stunning water Lake views from most windows and large 3 panel sliding glass door opening to screened in Lanai w open access from Master Suite. 4 Bedroom 2 Bath 3 Car Garage. Upgrades throughout. Crown Molding, tray ceilings, Recessed Lighting, Crystal Lighting throughout. Oversized Quartz kitchen island & Kitchen. Private Master Suite w walk in closet. His her sinks and large soaking tub. Walk in closet. Upgraded Vichy shower in Master shower. Resort style Community Pool w rock waterfall & fitness center. Playgrounds and walking trails. Stunning house priced to sell.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

9/10
Lakeside AcademyGrades K-81.1 mi
7/10
Beachside High SchoolGrades 8-122.5 mi

Construction

Condition

  • Year built: 2021

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Dryer,Freezer,Gas Cooktop,Gas Oven,Gas Water Heater,Ice Maker,Instant Hot Water,Microwave,Refrigerator,Tankless Water Heater,Washer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Central,Heat Pump,Hot Water
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 2,300 sqft

Property

Details

  • Parcel number: 0237134600

Features

  • Stories: 1
  • On waterfront: Yes
  • Waterfront features: Pond

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage,Garage Door Opener,Secured
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
Inland Flooding
Tornado
Heat Wave
Wildfire
Tsunami

FEMA Declared Disasters in St. Johns County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,755$33,060
Home Insurance *$281$3,372
Property Taxes $670$8,040
Electricity $231$2,777
Total$3,937$47,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,982/yr
40% on housing$118,110/yr
45% on housing$104,986/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$237This listing

vs Other Active Listings

Avg $/sqft

ZIP 32095$225
St. Johns County$292

vs Homes Sold Last Month

Median $/sqft

ZIP 32095$224
St. Johns County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-19Price change$545,000
2026-06-05Listed for sale$579,900
2025-11-06Listing removed$560,000
2025-09-23Listed for sale$560,000
2025-02-20Listing removed$585,000
2024-06-07Listed for sale$585,000
2021-05-21Sold$381,200

For Sale by Agent

AgentMOE MOSSA
BrokerageSAVVY AVENUE, LLC.

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