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402 CHERRY ELM Drive, Saint Augustine, FL, 32092

3beds
3baths
1,927sqft
$356,990
$185price/sqft
$2,501/moest. monthly cost
$100,040/yrincome needed

About This Home

What's Special: Oversized Pantry | No Rear Neighbors | Loft | Large Kitchen Island. New Construction - May Completion! Built by America's Most Trusted Home Builder. Welcome to the Bellflower at 402 Cherry Elm Drive in Cherry Elm at Silverleaf! From the welcoming front porch, you step into the heart of this charming new townhome where the great room, dining area, and open kitchen come together around a large island with quartz countertops. The first level also includes a convenient half bath, a two car garage, and an outdoor lanai that expands your everyday living space. Upstairs, a spacious loft creates a comfortable separation between the secondary bedrooms, which share a full bathroom, and the private primary suite. The primary suite features an en-suite bath and a walk-in closet designed for easy organization. The laundry area is located upstairs, and added storage throughout the home includes a walk-in pantry along with coat and linen closets. Located in St. Johns County, this community offers access to top-rated schools and low-maintenance, master-planned living with lawn care and exterior upkeep included. Enjoy pools, pickleball, tennis, walking trails, and a planned 1.6-acre amenity area. Nearby Trout Creek offers river access and parks. You'll also have quick connectivity to I-95, CR-16, CR-210, and I-295, with future roadway expansions planned. Additional Highlights Include: GE appliances. MLS#2136533

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

8/10
9/10
--

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Shingle
  • Construction materials: Other,Concrete,Frame

Other

  • Builder name: Taylor Morrison

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Other,Dishwasher,Disposal,Dryer,Gas Range,Ice Maker,Microwave,Refrigerator,Washer
  • Laundry features: In Unit

Bedroom2

  • Level: Second
  • Area: 132
  • Dimensions: 12.00 x 11.00

Bedroom3

  • Level: Second
  • Area: 132
  • Dimensions: 12.00 x 11.00

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Level: First
  • Area: 100
  • Dimensions: 10.00 x 10.00

Features

  • Breakfast Bar,Kitchen Island,Pantry,Primary Bathroom - Shower No Tub,Walk-In Closet(s),Other
  • Flooring: Carpet

Great Room

  • Level: First
  • Area: 130
  • Dimensions: 13.00 x 10.00

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 1,927 sqft

Kitchen

  • Level: First

Loft

  • Level: Second
  • Area: 156
  • Dimensions: 13.00 x 12.00

Master Bedroom

  • Level: Second
  • Area: 195
  • Dimensions: 13.00 x 15.00

Property

Details

  • Parcel number: NALOT80
  • Attached to another structure: Yes
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Other,Vinyl

Lot

  • Lot size: 880 sqft
  • Features: Other
  • Lot size dimensions: 55 x 16

Parking

  • Total spaces: 2
  • Parking features: Other,Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Lightning
Coastal Flooding
Hurricane
Heat Wave
Tornado
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 $1,805$21,660
Home Insurance *$173$2,076
Property Taxes $326$3,912
Electricity $197$2,366
Total$2,501$30,012
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,748/yr
40% on housing$75,030/yr
45% on housing$66,693/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

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 32092$221
St. Johns County$292

vs Homes Sold Last Month

Median $/sqft

ZIP 32092$217
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
2026-03-24Listed for sale$359,990

New Construction Spec

AgentMICHELLE M CAMPBELL
BrokerageTAYLOR MORRISON REALTY OF FLA

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