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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Palencia, St. Augustine — a golf course home in St. Johns County.

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Sold

Sold·Closed Apr 6, 2026·263 days on market·Recent sales in Palencia·Palencia

157 Otero Point

St. Augustine, FL 32095

$456,000sold priceListed at $477,500 · 95.5% of asking$221/sqftMLS# 2094078
3
Beds
2
Baths
2,064
Sq Ft
2017
Built
2
Garage
No
Pool

43 more homes for sale in Palencia →Search Palencia on the map

HOA $12/mo7,841 sqft lotSingle Family Residence1 story

About this home

Palencia

This beautifully maintained home offers comfort, style, and functionality. A 3 bedroom and 2 bath home with TWO flex spaces, one could be converted to a 4th bedroom or office. Featuring wood-look tile throughout the main living areas. The open floor plan includes a spacious living room and gourmet kitchen, with abundant cabinetry, a walk-in pantry, and plenty of space for entertaining. Adjacent to the kitchen, the dining area flows seamlessly into the living space-perfect for gatherings. The split-bedroom layout provides added privacy, with a spacious primary suite and two additional bedrooms. Enjoy the outdoors year-round in the screened lanai-perfect for relaxing or hosting friends. Located within a gated community with exceptional amenities, this home combines peaceful living with convenience and style. Call the Listing Broker directly to book your tour today.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,526
Property taxesest. at asking price, St. Johns County$607
HOAbilled annually$12
Estimated total, before insurance$3,145/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$8,765/yr · $730/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$456,000
$91,200
Loan Term
Monthly Payment
$2,526
Principal & Interest: $2,526
Property taxes (est.): $607
Insurance (est.): $304
Estimated Total Monthly
$3,437
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,787 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

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $8,765/yr

Estimated taxes if purchased at asking price: ~$7,300/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, NEFMLS.

History

Price & status history

  • Mar 31, 2026Listed$477,500

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $263/sq ft; this home is listed at $231/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
16 Derecho Lane, St. Augustine, FL 32095Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$640,000$2424/32,648490.2
55 Aspendale Road, Ponte Vedra, FL 32081Listed by RICK WOOD & ASSOCIATES INCSep 2026$644,900$2614/3.52,4741550.7
472 Glorieta Drive, St. Augustine, FL 32095Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$730,000$3224/32,264890.8
790 Battersea Drive, St. Augustine, FL 32095Listed by OPENDOOR BROKERAGE, LLC.Sep 2026$410,000$2003/22,050550.8
241 Dosel Lane, St. Augustine, FL 32095Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$634,000$2634/32,411440.9
80 Oyster Shell Terrace, Ponte Vedra, FL 32081Listed by GIVE BACK REALTY, LLC.Sep 2026$479,000$3122/21,53451

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$477,500
Price / Sq Ft$231
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,064
Acres0.18 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

Community Information

Address157 Otero Point, St. Augustine, FL 32095
Area312-Palencia Area
SubdivisionPalencia
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size7,840.8 sq ft
Parcel Number0721533820

Amenities

AmenitiesBasketball Court, Clubhouse, Fitness Center, Golf Course, Jogging Path, Playground, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Ice Maker, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Front Porch, Patio, Screened
RoofShingle
ConstructionComposition Siding, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMarch 31, 2026
Days on Market263
HOA Fees$148 / Annually
HOA FrequencyAnnually
HOA NameLeland Management
Tax Amount$8,764.89
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Palencia

Palencia is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Palencia homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 6, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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