Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Palencia, St. Augustine — a gated community home in St. Johns County.

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Active

Active·13 days on market·Palencia

300 Via Castilla 103

St. Augustine, FL 32095

$244,000$191/sqftEst. $1,254/moMLS# 2090913

Beds

Baths

1,278

Sq Ft

2005

Built

—

Garage

Pool

About this home

Palencia

Fully furnished, ground-floor condo in the gated Avila at Palencia community in St. Augustine, St. Johns County. This turnkey unit includes a covered carport and an open living and dining layout. The kitchen features granite countertops, stainless steel appliances, a breakfast bar, and a stacked washer/dryer. Dual sliding doors open to a screened porch with storage, and French doors lead to a flexible office or bonus space. The split-bedroom floor plan places a private primary suite, with a walk-in closet and ensuite bath, apart from the secondary bedroom for added privacy. Tile flooring runs through the main living areas, with carpet in the bedrooms. Avila at Palencia residents enjoy the full Palencia amenity package, including resort-style pools, a fitness center, tennis courts, and a dog park. The community is close to Publix, Starbucks, and area dining, with convenient access to local schools. A move-in ready, low-maintenance condo in one of St. Johns County's most amenity-rich

Cost to own

Mortgage calculator

Home Price

$244,000

Down Payment: 20%

$48,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,254

Principal & Interest: $1,254

Property taxes (est.): $325

Insurance (est.): $163

Estimated Total Monthly

$1,742

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$1,254

Property taxesest. at asking price, St. Johns County$325

HOAbilled quarterly$214

Estimated total, before insurance$1,793/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,168/yr · $431/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$195,000	$195,000	—
2024	$205,000	$160,770	—
2023	$198,090	$146,155	—
2022	$149,000	$132,868	—
2021	$121,500	$120,789	—
2020	$117,500	$109,808	—

2024 property taxes (current owner): $5,168/yr

Estimated taxes if purchased at asking price: ~$3,900/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Concrete — year not disclosed (home built 2005)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer & public water · St Johns County Utilities

County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,803 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 17, 2026Active$244,000
Aug 10, 2026Pending$244,000
Jan 29, 2026Listed$244,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$244,000

Price / Sq Ft$191

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,278

Year Built2005

TypeResidential

Sub-TypeCondominium

StyleOther

StatusActive

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address300 Via Castilla 103, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0724211113

ZoningCondominium

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Management - Off Site, Pickleball, Tennis Court(s), Trash

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Carport, Guest, Off Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator, Washer/Dryer Stacked

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate