158 SILVER FERN DRIVE, ST AUGUSTINE, FL, 32086
Active2 days on marketListed Sep 18, 2026MLS #FC321566
About this home
158 SILVER FERN DRIVE
Beautiful 2-bedroom, 1.5-bath townhome at 158 Silver Fern Drive in the Orchard Park community in St. Augustine. No roof to replace, no lawn to mow -- Orchard Park's HOA handles exterior maintenance, so ownership here means more weekends and fewer chores. Inside, this move-in ready home offers a split floor plan with white cabinetry and granite countertops in the kitchen. A half bath sits downstairs for guests, and the full bath upstairs features a double vanity for busy mornings. Located in St. Johns County, Orchard Park puts residents minutes from shopping, dining, and the historic district in St. Augustine, with community amenities that add even more value to low-maintenance living.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,168
Sqft
0.07 ac
Lot size
1
Garage
2021
Year built
Two
Levels
$214
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.
$2,198 /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
$2,198/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
+3.6%
$/sqft vs St Augustine actives
$214 vs $238
Days on market
2 vs 37 typical
Where $214/sqft sits among the 187 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 St Augustine
Get to know St Augustine. See the full St Augustine guide →
ST AUGUSTINE 32086 — neighborhood snapshot
Population
34,347
Median age
50.2
Median income
$74,508
Median home value
$342,000
Avg household
2.41
Households w/ children
3,407
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 → $390K
St Augustine median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
68 of 187
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 11% below the ST AUGUSTINE 32086 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 158 SILVER FERN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$250,000
221 AYAMONTE ROAD
2 bd · 2.5 ba · 1,109 sqft · $225/sqft · 112 DOM
Sold · Aug ’26$252,000
211 AYAMONTE ROAD
2 bd · 2.5 ba · 1,109 sqft · $227/sqft · 95 DOM
Sold · Jun ’26$253,440
197 AYAMONTE ROAD
2 bd · 2.5 ba · 1,109 sqft · $229/sqft · 107 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 158 SILVER FERN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 158 SILVER FERN DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
158 SILVER FERN DRIVE FAQs
What would the monthly payment be for 158 SILVER FERN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,198/mo — principal and interest, the actual property-tax bill, the $190/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 158 SILVER FERN DRIVE?+
The association fee works out to $190 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 158 SILVER FERN DRIVE?+
The most recent tax bill on record (2025) was $3,185. 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 158 SILVER FERN DRIVE?+
The listing reports pets: Yes. 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 $250,000, this home is listed about 43% below the St Augustine median of $439,000. The market section on this page shows how the area is trending.
Which schools are assigned to 158 SILVER FERN DRIVE?+
Gamble Rogers Middle School (middle), Pedro Menendez High School (high), South Woods Elementary School (elementary), Mky- Head Start /Dpp Pk School (), First Coast Technical College (high) — St. Johns County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BEACH STATE REALTY · Justin Petrucci. MLS #FC321566.
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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