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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 Cordova Palms, St. Augustine — a home near St. Augustine High School.

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Sold

Sold·Closed Sep 11, 2026·335 days on market·Recent sales in Cordova Palms·Cordova Palms

192 Barbosa Trail

St. Augustine, FL 32095

$415,000sold priceListed at $400,000 · 103.8% of asking$118/sqftMLS# 2104622
5
Beds
3
Baths
3,526
Sq Ft
2024
Built
2
Garage
No
Pool

33 more homes for sale in Cordova Palms →Search Cordova Palms on the map

FEMA Zone XHOA $70/mo13,504 sqft lotSingle Family Residence2 stories

About this home

Cordova Palms

Short Sale is approved at Listing Price By Lender. Built in 2024, this like new, nearly new construction home offers modern living with minimal maintenance. Although this is a short sale, the home itself is not distressed and shows only some cosmetic stress. Simple updates like fresh interior and exterior paint, new carpet in the bedrooms and stairway, and new sod in the front and backyard will quickly return the home to model-home condition. Structurally and mechanically sound, this well-maintained property provides a move-in-ready layout without the price of brand-new construction. An excellent opportunity for buyers seeking to move in now with so many new builds in the community that will take 10 or months to build.

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$2,299
Property taxesest. at asking price, St. Johns County$552
HOAbilled annually$70
Estimated total, before insurance$2,921/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,077/yr · $340/mo
  • • 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

$415,000
$83,000
Loan Term
Monthly Payment
$2,299
Principal & Interest: $2,299
Property taxes (est.): $552
Insurance (est.): $277
Estimated Total Monthly
$3,128
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — year not disclosed (home built 2024)

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

Solar potential: ~1,695 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:27 AM, sunset 6:55 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $572,200 in June 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$452,180$0—
2024$75,000$75,000—

2024 property taxes (current owner): $4,077/yr

Estimated taxes if purchased at asking price: ~$6,600/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.

History

Price & status history

  • Sep 29, 2026Closed$400,000
  • Sep 4, 2026Pending$400,000
  • Sep 2, 2026Active$400,000
  • Jul 23, 2026Active Under Contract$400,000
  • Jul 17, 2026Price change$400,000−$10,000
  • Jul 17, 2026Active$410,000
  • Jan 20, 2026Listed$410,000

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 $173/sq ft; this home is listed at $113/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
534 Barbosa Trail, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INCSep 2026$489,990$1665/3.52,956220.2
547 Barbosa Trail, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INCAug 2026$460,000$1695/42,728480.2
506 Barbosa Trail, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INCAug 2026$509,990$1455/33,518730.2
38 Algiers Court, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INCAug 2026$472,000$1735/42,7281140.2
304 Barbosa Trail, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INCAug 2026$440,000$1764/32,5001080.2
557 Barbosa Trail, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INCJul 2026$464,990$1864/32,500790.2

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$400,000
Price / Sq Ft$113
Bedrooms5
Bathrooms3.00
Full Baths3
Square Footage3,526
Total Structure Area4,200 sq ft
Acres0.31 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

School Information

Community Information

Address192 Barbosa Trail, St. Augustine, FL 32095
Area307-World Golf Village Area-SE
SubdivisionCordova Palms
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size13,503.6 sq ft
Parcel Number0725715990
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup

Exterior

Lot DescriptionCorner Lot
FencingBack Yard
RoofShingle

Additional Information

Date ListedSeptember 2, 2026
Days on Market335
HOA Fees$840 / Annually
HOA FrequencyAnnually
HOA NameCordova Palms
Tax Amount$4,077.06
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PUBLIC SERVICES REALTY

Sold by: COLDWELL BANKER VANGUARD REALTY (buyer's brokerage)

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 Cordova Palms

Cordova Palms is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32095.

View all Cordova Palms homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 11, 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.

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20+ years · 500+ closings · NE Florida

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