This home is in Cordova Palms, St. Augustine.

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Active Under Contract

Active Under Contract·177 days on market·Cordova Palms

192 Barbosa Trail

St. Augustine, FL 32095

$410,000$116/sqftEst. $2,182/moMLS# 2104622

Beds

Baths

3,526

Sq Ft

2024

Built

Garage

Pool

About this home

Cordova Palms

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

$410,000

Down Payment: 20%

$82,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,084

Principal & Interest: $2,084

Est. Taxes & Insurance: $521

Estimated Total Monthly

$2,605

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,182

Property taxesest. at asking price, St. Johns County$546

HOAbilled annually$70

Estimated total, before insurance$2,798/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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: ~$6,500/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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History