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

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Active Under Contract

Active Under Contract·222 days on market·Cordova Palms

192 Barbosa Trail

St. Augustine, FL 32095

$400,000$113/sqftEst. $2,056/moMLS# 2104622

Beds

Baths

3,526

Sq Ft

2024

Built

Garage

Pool

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

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,056

Principal & Interest: $2,056

Property taxes (est.): $532

Insurance (est.): $267

Estimated Total Monthly

$2,855

*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$2,056

Property taxesest. at asking price, St. Johns County$532

HOAbilled annually$70

Estimated total, before insurance$2,659/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).

Cost to own

Taxes & assessment

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

Year	Market value	Taxable value	Change
2025	$452,180	$0	—
2024	$75,000	$75,000	—

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

Estimated taxes if purchased at asking price: ~$6,400/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.

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.

History