427 BRANDON LAKES DRIVE, ST AUGUSTINE, FL, 32092
Active152 days on marketListed Feb 19, 2026MLS #FC316315
About this home
427 BRANDON LAKES DRIVE
Located in the highly desirable SilverLeaf master-planned community in St. Johns County • 9-foot ceilings throughout for an open, airy feel • Modern kitchen with 42'' cabinets, crown molding, quartz counters & pantry • Gas range & tankless gas water heater for efficiency and performance • Wood-look tile flooring downstairs, carpet upstairs • Spacious primary suite with double vanity & walk-in shower • Three bedrooms and two full baths upstairs, plus half bath downstairs • Covered rear patio perfect for relaxing or entertaining • Laundry conveniently located upstairs with washer & dryer included • Single-car garage, blinds on every window, move-in ready This well-appointed townhouse offers modern comfort and low-maintenance living in the heart of SilverLeaf, one of St. Johns County's most sought-after communities. Designed with thoughtful upgrades, the home features 9-foot ceilings, a stylish kitchen with quartz countertops, 42-inch cabinets with crown molding, and a gas range! Wood-look tile flooring enhances the main living areas, while plush carpet adds comfort upstairs. All three bedrooms are located on the second floor, including a spacious primary suite with a double vanity and walk-in shower. A second full bath with a shower/tub combo serves the additional bedrooms, while a convenient half bath is located downstairs for guests. Enjoy outdoor living on the covered patio, plus the ease of an upstairs laundry room with washer and dryer included. With a tankless gas water heater, single-car garage, and access to SilverLeaf's parks, trails, and resort-style amenities--all with no CDD fees--this home delivers exceptional value, lifestyle, and location.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,445
Sqft
0.05 ac
Lot size
1
Garage
2023
Year built
Two
Levels
$207
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,477 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,477/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−10.4%
$/sqft vs St Augustine actives
$207 vs $241
Days on market
152 vs 39 typical
Where $207/sqft sits among the 178 St Augustine actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Silverleaf
Get to know St Augustine. See the full St Augustine guide →
Silverleaf — neighborhood snapshot
Population
4,245
Median age
53
Median income
$135,239
Median home value
$475,056
Avg household
2
Households w/ children
539
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Augustine market
$450K → $400K
St Augustine median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
72 of 178
St Augustine actives have cut their price
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% below the ST AUGUSTINE 32092 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 427 BRANDON LAKES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$519,000
181 COUNTRY FERN DRIVE · same community
4 bd · 2 ba · 2,272 sqft · $228/sqft · 151 DOM
Sold · Sep ’25$319,990
199 BRANDON LAKES DRIVE
3 bd · 2.5 ba · 1,445 sqft · $221/sqft · 0 DOM
Sold · Sep ’25$315,000
203 BRANDON LAKES DRIVE
3 bd · 2.5 ba · 1,445 sqft · $218/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 427 BRANDON LAKES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 427 BRANDON LAKES DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
427 BRANDON LAKES DRIVE FAQs
What would the monthly payment be for 427 BRANDON LAKES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,477/mo — principal and interest, the actual property-tax bill, the $128/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 427 BRANDON LAKES DRIVE?+
The association fee works out to $128 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 427 BRANDON LAKES DRIVE?+
The most recent tax bill on record (2025) was $3,525. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 427 BRANDON LAKES DRIVE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Augustine?+
At $299,500, this home is listed about 32% below the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 427 BRANDON LAKES DRIVE?+
Tocoi Creek High School (high), First Coast Technical College (high), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST AUGUSTINE 32092 market on paper
$299,500 is 38% below the ST AUGUSTINE 32092 median of $479,990, and at $207/sqft it sits under the St Augustine average of $309.
02Time on market is leverage
152 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Tocoi Creek High School, First Coast Technical College, Mky- Head Start /Dpp Pk School — Tocoi Creek High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $299,900, now $299,500 — a $400 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST. JOHNS · Christina Welch. MLS #FC316315.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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